Waco, TX: 2-bedroom payment standards across 20 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for Waco, TX HUD Metro FMR Area range from $1,240 to $1,620 for a 2-bedroom. The 90th-percentile ZIP code runs 1.21× the 10th — a gap of $263 a month — which ranks 210th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 20 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,375 at 110%.
monthly gap between the 90th- and 10th-percentile ZIP code ($1,240 to $1,503).
of the area's ZIP codes (5 of 20) sit above $1,375 — 110% of the area median.
Highest-rent ZIP codes in Waco, TX
Every ZIP code, ranked
The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 76643 | $1,620 | $1,458–$1,782 | above 110% |
| 2 | 76711 | $1,530 | $1,377–$1,683 | above 110% |
| 3 | 76638 | $1,500 | $1,350–$1,650 | above 110% |
| 4 | 76712 | $1,460 | $1,314–$1,606 | above 110% |
| 5 | 76701 | $1,440 | $1,296–$1,584 | above 110% |
| 6 | 76657 | $1,360 | $1,224–$1,496 | 109% |
| 7 | 76702 | $1,250 | $1,125–$1,375 | 100% |
| 8 | 76703 | $1,250 | $1,125–$1,375 | 100% |
| 9 | 76708 | $1,250 | $1,125–$1,375 | 100% |
| 10 | 76714 | $1,250 | $1,125–$1,375 | 100% |
| 11 | 76716 | $1,250 | $1,125–$1,375 | 100% |
| 12 | 76557 | $1,240 | $1,116–$1,364 | 99% |
| 13 | 76561 | $1,240 | $1,116–$1,364 | 99% |
| 14 | 76640 | $1,240 | $1,116–$1,364 | 99% |
| 15 | 76654 | $1,240 | $1,116–$1,364 | 99% |
| 16 | 76704 | $1,240 | $1,116–$1,364 | 99% |
| 17 | 76705 | $1,240 | $1,116–$1,364 | 99% |
| 18 | 76707 | $1,240 | $1,116–$1,364 | 99% |
| 19 | 76710 | $1,240 | $1,116–$1,364 | 99% |
| 20 | 76798 | $1,240 | $1,116–$1,364 | 99% |
How Waco, TX compares
Its internal spread of 1.21× (p90 ÷ p10) ranks 210 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.11×. Note that this area's 90th or 10th percentile lands exactly on its highest or lowest ZIP code, so a single ZIP is carrying the p90/p10 figure — the p75/p25 measure is the better read here. See the full ranking and how it was measured →
A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.