FY2027 Small Area FMR · Pharr, TX

ZIP 78577 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78577 (Pharr, TX) is $1,080 a month, down 4.4% from FY2026. That is 6% above the McAllen-Edinburg-Mission, TX area-wide FMR of $1,017.

2-bedroom SAFMR$1,080per month ▼ 4.4%

Area-wide 2 BR FMR$1,017McAllen-Edinburg-Mission, TX

Rank in the area6thof 33 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$972

2 BR Small Area FMR$1,080

110% of SAFMR$1,188

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$850▼ 5.6%

1 BR$860▼ 4.4%

2 BR$1,080▼ 4.4%

3 BR$1,390▼ 5.4%

4 BR$1,530▼ 5.6%

FY2027 FY2026

Where 78577 sits in the McAllen-Edinburg-Mission, TX area

Of the 33 ZIP codes HUD lists for the area, 78577 has the 6th highest two-bedroom Small Area FMR. McAllen-Edinburg-Mission, TX is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $1,017 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,080 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$850	$765 – $935	$801	$900
1 bedroom	$860	$774 – $946	$806	$900
2 bedrooms	$1,080	$972 – $1,188	$1,017	$1,130
3 bedrooms	$1,390	$1,251 – $1,529	$1,305	$1,470
4 bedrooms	$1,530	$1,377 – $1,683	$1,439	$1,620

A household renting a two-bedroom home at the Small Area FMR of $1,080 needs about $43,200 a year to keep housing costs at 30% of income. The area median family income is $64,000 and the 80% low-income limit for four people is $66,950. ZIP code 78577 lies mainly in Hidalgo County. See the McAllen-Edinburg-Mission, TX county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
78589	San Juan	2.4 mi	$1,010
78503	Mcallen	3.7 mi	$1,180
78557	Hidalgo	4.1 mi	$1,010
78516	Alamo	4.3 mi	$1,010
78501	Mcallen	5.4 mi	$1,100
78537	Donna	8.2 mi	$1,010

Questions

What is the Fair Market Rent for ZIP code 78577?

HUD's FY2027 Small Area Fair Market Rents for 78577 are $850 (studio), $860 (1 BR), $1,080 (2 BR), $1,390 (3 BR) and $1,530 (4 BR) a month.

What is the Section 8 payment standard in 78577?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78577 that range is $972 to $1,188 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 78577?

The FY2026 income limits of the McAllen-Edinburg-Mission, TX area apply: median family income $64,000, low-income (80%) limit $66,950 for a family of four.