FY2027 Small Area FMR · Gail, TX

ZIP 79738 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 79738 (Gail, TX) is $1,150 a month, up 4.5% from FY2026. That is 7% above the Borden County, TX area-wide FMR of $1,078.

2-bedroom SAFMR$1,150per month ▲ 4.5%

Area-wide 2 BR FMR$1,078Borden County, TX

Rank in the area7thof 9 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,035

2 BR Small Area FMR$1,150

110% of SAFMR$1,265

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

Studio$880▲ 6.0%

1 BR$900▲ 5.9%

2 BR$1,150▲ 4.5%

3 BR$1,410▲ 6.8%

4 BR$1,720▲ 6.8%

FY2027 FY2026

Where 79738 sits in the Borden County, TX area

Of the 9 ZIP codes HUD lists for the area, 79738 has the 7th highest two-bedroom Small Area FMR. Borden 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 $1,078 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,150 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	$880	$792 – $968	$819	$830
1 bedroom	$900	$810 – $990	$858	$850
2 bedrooms	$1,150	$1,035 – $1,265	$1,078	$1,100
3 bedrooms	$1,410	$1,269 – $1,551	$1,393	$1,320
4 bedrooms	$1,720	$1,548 – $1,892	$1,553	$1,610

A household renting a two-bedroom home at the Small Area FMR of $1,150 needs about $46,000 a year to keep housing costs at 30% of income. The area median family income is $72,500 and the 80% low-income limit for four people is $77,500. ZIP code 79738 lies mainly in Borden County. See the Borden County, TX county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
79517	Fluvanna	15.9 mi	$1,200
79351	Odonnell	20.7 mi	$1,120
79713	Ackerly	24.3 mi	$1,600
79330	Justiceburg	24.7 mi	$1,120
79748	Knott	25.9 mi	$1,600
79527	Ira	26.5 mi	$1,240

Questions

What is the Fair Market Rent for ZIP code 79738?

HUD's FY2027 Small Area Fair Market Rents for 79738 are $880 (studio), $900 (1 BR), $1,150 (2 BR), $1,410 (3 BR) and $1,720 (4 BR) a month.

What is the Section 8 payment standard in 79738?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 79738 that range is $1,035 to $1,265 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 79738?

The FY2026 income limits of the Borden County, TX area apply: median family income $72,500, low-income (80%) limit $77,500 for a family of four.