How much does Section 8 pay for a 2-bedroom in ZIP 78648?

For ZIP 78648 in Caldwell County, TX, the FY2026 two-bedroom Small Area Fair Market Rent is $1,230 per month. Local housing authorities set the Section 8 payment standard between 90% and 110% of that, roughly $1,105 to $1,355 before the tenant's utility allowance.

What are the FY2026 Section 8 rent limits for ZIP 78648?

HUD's FY2026 Small Area Fair Market Rent for ZIP 78648, by bedroom size: studio $980, 1-bedroom $1,040, 2-bedroom $1,230, 3-bedroom $1,570, 4-bedroom $1,840. In SAFMR metros the ZIP-level figure, not the county average, is what applies to an address here.

Which housing authority covers ZIP 78648?

Vouchers for Caldwell County are administered by Lockhart Housing Authority, Luling Housing Authority. The authority whose jurisdiction covers ZIP 78648 handles the application, the waitlist, the HAP contract, and the unit inspection.

Section 8 Rent in ZIP 78648

FY2026 Small Area Fair Market Rent for ZIP 78648 in Caldwell County, Texas: the exact per-bedroom rents HUD publishes for this ZIP, the estimated payment-standard range, the housing authorities that administer vouchers here, and whether a landlord can legally decline a voucher in Texas.

Studio

$980

1 BR

$1,040

2 BR

$1,230

3 BR

$1,570

4 BR

$1,840

Estimated payment standard range (2 BR)

Local PHAs set payment standards between 90% and 110% of FMR. Exact figures vary by PHA. The numbers below are the modeled range.

Low (90%)

$1,105

FMR (100%)

$1,230

High (110%)

$1,355

Gross rent before the tenant utility allowance. The PHA's published payment standard is the number that actually applies; verify with the PHA before signing a lease or HAP contract.

ZIP vs county FMR (2 BR)

ZIP 78648 at $1,230 is $622 lower than the Caldwell County county-wide 2 BR FMR of $1,852. In SAFMR metros the ZIP number applies, so the county-wide figure overstates what a voucher covers in this ZIP.

Can a landlord refuse Section 8 in ZIP 78648?

Yes. Texas law blocks local governments from requiring voucher acceptance, so landlords in ZIP 78648 can legally decline Section 8 applicants. Listing on a voucher-friendly marketplace is the fastest way to find the landlords who do accept.

Texas has NO statewide SOI protection AND state law preempts city ordinances. Austin passed protection in 2014, Texas legislature struck it down in 2015. Landlords in Texas can legally refuse vouchers.

Informational only, not legal advice. Laws change, so verify current status before acting on a rejection or making a leasing decision.

Housing authorities serving Caldwell County

Lockhart Housing Authority
Lockhart · PHA code TX211
—
Luling Housing Authority
Luling · PHA code TX074
—

The PHA whose jurisdiction covers ZIP 78648 handles the application, the HAP contract, and the unit inspection.

Frequently asked questions

How much does Section 8 pay for a 2-bedroom in ZIP 78648?: For ZIP 78648 in Caldwell County, TX, the FY2026 two-bedroom Small Area Fair Market Rent is $1,230 per month. Local housing authorities set the Section 8 payment standard between 90% and 110% of that, roughly $1,105 to $1,355 before the tenant's utility allowance.
What are the FY2026 Section 8 rent limits for ZIP 78648?: HUD's FY2026 Small Area Fair Market Rent for ZIP 78648, by bedroom size: studio $980, 1-bedroom $1,040, 2-bedroom $1,230, 3-bedroom $1,570, 4-bedroom $1,840. In SAFMR metros the ZIP-level figure, not the county average, is what applies to an address here.
Which housing authority covers ZIP 78648?: Vouchers for Caldwell County are administered by Lockhart Housing Authority, Luling Housing Authority. The authority whose jurisdiction covers ZIP 78648 handles the application, the waitlist, the HAP contract, and the unit inspection.

Find Section 8 apartments in ZIP 78648

VoucherMatch connects voucher holders with landlords who accept Section 8, and it is free for renters. Landlords: listings here reach applicants whose voucher already covers the rent above.

Browse voucher-friendly listings List your unit free

Caldwell County overview All of Texas

SAFMR data published by HUD for FY2026. ZIP 78648 maps to Caldwell County, TX · FIPS 48055. Investors can run these numbers in the RentalCalcs voucher analyzer.