FY2027 Small Area FMR · Cost, TX
ZIP 78614 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78614 (Cost, TX) is $1,030 a month, up 4.0% from FY2026. That is 2% above the Gonzales County, TX area-wide FMR of $1,014.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 78614 sits in the Gonzales County, TX area
Of the 15 ZIP codes HUD lists for the area, 78614 has the 11th highest two-bedroom Small Area FMR. Gonzales 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 $1,014 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,030 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $720 | $648 – $792 | $706 | $680 |
| 1 bedroom | $790 | $711 – $869 | $775 | $750 |
| 2 bedrooms | $1,030 | $927 – $1,133 | $1,014 | $990 |
| 3 bedrooms | $1,420 | $1,278 – $1,562 | $1,404 | $1,380 |
| 4 bedrooms | $1,480 | $1,332 – $1,628 | $1,461 | $1,420 |
A household renting a two-bedroom home at the Small Area FMR of $1,030 needs about $41,200 a year to keep housing costs at 30% of income. The area median family income is $72,600 and the 80% low-income limit for four people is $66,950. ZIP code 78614 lies mainly in Gonzales County. See the Gonzales County, TX county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 78614?
HUD's FY2027 Small Area Fair Market Rents for 78614 are $720 (studio), $790 (1 BR), $1,030 (2 BR), $1,420 (3 BR) and $1,480 (4 BR) a month.
What is the Section 8 payment standard in 78614?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78614 that range is $927 to $1,133 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 78614?
The FY2026 income limits of the Gonzales County, TX area apply: median family income $72,600, low-income (80%) limit $66,950 for a family of four.