Waco, TX HUD Metro FMR Area · FY2026 area median income $90,300 · effective May 1, 2026
Check whether a deal here pencils →| Unit | 20% | 30% | 40% | 50% | 60% | 70% | 80% |
|---|---|---|---|---|---|---|---|
| Studio | $316 | $474 | $633 | $791 | $949 | $1,107 | $1,266 |
| 1BR | $339 | $508 | $678 | $847 | $1,017 | $1,186 | $1,356 |
| 2BR | $406 | $609 | $813 | $1,016 | $1,219 | $1,422 | $1,626 |
| 3BR | $469 | $704 | $939 | $1,174 | $1,409 | $1,644 | $1,879 |
| 4BR | $524 | $786 | $1,048 | $1,310 | $1,572 | $1,834 | $2,096 |
Gross rent includes utilities. Subtract the utility allowance for the rent you can charge.
| Household | 30% | 50% | 60% | 80% |
|---|---|---|---|---|
| 1 person | $18,990 | $31,650 | $37,980 | $50,640 |
| 2 persons | $21,690 | $36,150 | $43,380 | $57,840 |
| 3 persons | $24,390 | $40,650 | $48,780 | $65,040 |
| 4 persons | $27,090 | $45,150 | $54,180 | $72,240 |
| 5 persons | $29,280 | $48,800 | $58,560 | $78,080 |
| 6 persons | $31,440 | $52,400 | $62,880 | $83,840 |
| 7 persons | $33,600 | $56,000 | $67,200 | $89,600 |
| 8 persons | $35,760 | $59,600 | $71,520 | $95,360 |
Rents are capped at 30% of the income limit for an imputed household of 1.5 persons per bedroom, so a two-bedroom unit uses the three-person limit. Under the average income test, units can be designated from 20% to 80% AMI as long as the weighted average stays at or below 60%.
Run a deal in McLennan County to see the sources and uses, bond test, DSCR, and funding gap using these rents.