FY2027 Small Area FMR · Harper, TX
ZIP 78631 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78631 (Harper, TX) is $1,700 a month, up 6.2% from FY2026. That is 7% above the Gillespie County, TX area-wide FMR of $1,591.
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 78631 sits in the Gillespie County, TX area
Of the 9 ZIP codes HUD lists for the area, 78631 has the 1st highest two-bedroom Small Area FMR. Gillespie 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 $1,591 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,700 for this ZIP code instead.
ZIP code 78631 crosses more than one HUD area. HUD also lists it under Kerr County, TX (same figures) and Kimble County, TX (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,290 | $1,161 – $1,419 | $1,209 | $1,210 |
| 1 bedroom | $1,310 | $1,179 – $1,441 | $1,216 | $1,230 |
| 2 bedrooms | $1,700 | $1,530 – $1,870 | $1,591 | $1,600 |
| 3 bedrooms | $2,070 | $1,863 – $2,277 | $1,896 | $2,040 |
| 4 bedrooms | $2,430 | $2,187 – $2,673 | $2,292 | $2,340 |
A household renting a two-bedroom home at the Small Area FMR of $1,700 needs about $68,000 a year to keep housing costs at 30% of income. The area median family income is $109,300 and the 80% low-income limit for four people is $87,450. ZIP code 78631 lies mainly in Kimble County, Gillespie County and Kerr County. See the Gillespie 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 78631?
HUD's FY2027 Small Area Fair Market Rents for 78631 are $1,290 (studio), $1,310 (1 BR), $1,700 (2 BR), $2,070 (3 BR) and $2,430 (4 BR) a month.
What is the Section 8 payment standard in 78631?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78631 that range is $1,530 to $1,870 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 78631?
The FY2026 income limits of the Gillespie County, TX area apply: median family income $109,300, low-income (80%) limit $87,450 for a family of four.