FY2027 Small Area FMR · Luling, TX
ZIP 78648 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78648 (Luling, TX) is $1,160 a month, down 5.7% from FY2026. That is 36% below the Austin-Round Rock-San Marcos, TX area-wide FMR of $1,817.
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 78648 sits in the Austin-Round Rock-San Marcos, TX area
Of the 131 ZIP codes HUD lists for the area, 78648 has the 131st highest two-bedroom Small Area FMR. Austin-Round Rock-San Marcos, 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 $1,817 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,160 for this ZIP code instead.
ZIP code 78648 crosses more than one HUD area. HUD also lists it under San Antonio-New Braunfels, TX (same figures) and Gonzales 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 | $920 | $828 – $1,012 | $1,447 | $980 |
| 1 bedroom | $970 | $873 – $1,067 | $1,530 | $1,040 |
| 2 bedrooms | $1,160 | $1,044 – $1,276 | $1,817 | $1,230 |
| 3 bedrooms | $1,470 | $1,323 – $1,617 | $2,292 | $1,570 |
| 4 bedrooms | $1,720 | $1,548 – $1,892 | $2,689 | $1,840 |
A household renting a two-bedroom home at the Small Area FMR of $1,160 needs about $46,400 a year to keep housing costs at 30% of income. The area median family income is $134,400 and the 80% low-income limit for four people is $106,800. ZIP code 78648 lies mainly in Caldwell County, Guadalupe County and Gonzales County. See the Austin-Round Rock-San Marcos, TX metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 78648?
HUD's FY2027 Small Area Fair Market Rents for 78648 are $920 (studio), $970 (1 BR), $1,160 (2 BR), $1,470 (3 BR) and $1,720 (4 BR) a month.
What is the Section 8 payment standard in 78648?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78648 that range is $1,044 to $1,276 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 78648?
The FY2026 income limits of the Austin-Round Rock-San Marcos, TX area apply: median family income $134,400, low-income (80%) limit $106,800 for a family of four.