76508 Temple, TX Fair Market Rent

What the FMR for ZIP 76508 actually means

HUD publishes ZIP-level Small Area FMRs in designated metros. Our load has no SAFMR row for ZIP 76508, so we show the FMR-area schedule for Bell: $990 1-bedroom, studio $983, 2-bedroom $1,233, 3-bedroom $1,711, 4-bedroom $2,068. Other ZIPs in the same FMR area share this schedule until a SAFMR row is available. These are 40th-percentile gross rents, not live asking rents.

Without SAFMR for this ZIP, every ZIP mapped to Bell's FMR area shares the same baseline figures even when street-level market rents differ. Against the national benchmark the 1-bedroom FMR-area figure is 3% above the US average of $959, and 6% above the TX state average of $935. Year-over-year, the 1-bedroom moved up6.5% from FY 2025 ($930) to FY 2026.

For budgeting, the 30% affordability rule says rent should not exceed 30% of gross household income. At the FY 2026 1-bedroom FMR of $990, that implies a household income of $39,600 per year (about $3,300/month) to avoid being cost-burdened, a 2-bedroom at $1,233 lifts that threshold higher still. The ratio of FMR to local wages is the simplest test of whether a renter can live here without being cost-burdened.