FY2027 Small Area FMR · Buchanan Dam, TX

ZIP 78609 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78609 (Buchanan Dam, TX) is $1,010 a month, up 3.1% from FY2026. That is 8% below the Llano County, TX area-wide FMR of $1,102.

2-bedroom SAFMR$1,010per month ▲ 3.1%

Area-wide 2 BR FMR$1,102Llano County, TX

Rank in the area11thof 11 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$909

2 BR Small Area FMR$1,010

110% of SAFMR$1,111

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

Studio$770▲ 2.7%

1 BR$810▲ 8.0%

2 BR$1,010▲ 3.1%

3 BR$1,410▲ 3.7%

4 BR$1,500▼ 4.5%

FY2027 FY2026

Where 78609 sits in the Llano County, TX area

Of the 11 ZIP codes HUD lists for the area, 78609 has the 11th highest two-bedroom Small Area FMR. Llano County, 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 $1,102 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,010 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	$770	$693 – $847	$838	$750
1 bedroom	$810	$729 – $891	$878	$750
2 bedrooms	$1,010	$909 – $1,111	$1,102	$980
3 bedrooms	$1,410	$1,269 – $1,551	$1,526	$1,360
4 bedrooms	$1,500	$1,350 – $1,650	$1,576	$1,570

A household renting a two-bedroom home at the Small Area FMR of $1,010 needs about $40,400 a year to keep housing costs at 30% of income. The area median family income is $96,000 and the 80% low-income limit for four people is $76,800. ZIP code 78609 lies mainly in Llano County. See the Llano County, TX county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
78607	Bluffton	4.2 mi	$1,080
78639	Kingsland	6.3 mi	$1,130
78672	Tow	6.6 mi	$1,130
78611	Burnet	10.2 mi	$1,140
76824	Bend	11.9 mi	$1,080
78643	Llano	15.1 mi	$1,300

Questions

What is the Fair Market Rent for ZIP code 78609?

HUD's FY2027 Small Area Fair Market Rents for 78609 are $770 (studio), $810 (1 BR), $1,010 (2 BR), $1,410 (3 BR) and $1,500 (4 BR) a month.

What is the Section 8 payment standard in 78609?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78609 that range is $909 to $1,111 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 78609?

The FY2026 income limits of the Llano County, TX area apply: median family income $96,000, low-income (80%) limit $76,800 for a family of four.