HELOTES, TX
CitySAFMR
Bandera County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,440$1,110
1 BR$1,590$1,270
2 BR$1,930$1,700
3 BR$2,450$1,890
4 BR$2,880$2,180
5 BR$3,312
6 BR$3,809
7 BR$4,380
8 BR$5,037

Purchase Price Calculator

Maximum purchase price
$190,703

Cost breakdown

+Likely effective rent$1,700
HUD FMR$1,930
Market rentUsed$1,700
Est. payment standard (92%)$1,780
Market rent is below the inferred standard ($1,780, 92% of FMR).
-Principal and interest-$964
Loan amount$152,562
Down payment$38,141
Rate6.50%
Term30 years
-Operating costs-$536
Property taxes-$191
Insurance-$175
Utilities$0
HOA$0
Management-$170
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,329(71.7% ROI)
Projected value
$205,366
Current value$190,703
Return breakdown
Property appreciation+$14,663
Loan principal paid down+$5,466
Rental cash flow+$7,200
5-year hold
+$46,807(122.7% ROI)
Projected value
$215,763
Current value$190,703
Return breakdown
Property appreciation+$25,060
Loan principal paid down+$9,747
Rental cash flow+$12,000
10-year hold
+$100,639(263.9% ROI)
Projected value
$244,116
Current value$190,703
Return breakdown
Property appreciation+$53,413
Loan principal paid down+$23,226
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio- 78023
1.30ratio
FMR$1,440
Market$1,110
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$1,296 / 1.17 ratio110% standard$1,584 / 1.43 ratio
1.30
1 BR
1 BR- 78023
1.25ratio
FMR$1,590
Market$1,270
vs market+$320

FMR is above market; underwrite to market rent.

90% standard$1,431 / 1.13 ratio110% standard$1,749 / 1.38 ratio
1.25
2 BR
2 BR- 78023
1.14ratio
FMR$1,930
Market$1,700
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,737 / 1.02 ratio110% standard$2,123 / 1.25 ratio
1.14
3 BR
3 BR- 78023
1.30ratio
FMR$2,450
Market$1,890
vs market+$560

FMR is above market; underwrite to market rent.

90% standard$2,205 / 1.17 ratio110% standard$2,695 / 1.43 ratio
1.30
4 BR
4 BR- 78023
1.32ratio
FMR$2,880
Market$2,180
vs market+$700

FMR is above market; underwrite to market rent.

90% standard$2,592 / 1.19 ratio110% standard$3,168 / 1.45 ratio
1.32
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for HELOTES, TX (TX) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

Related ZIPs

HELOTES, TX fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for HELOTES, TX shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,930 and the 4 bedroom fair market rent is $2,880.

Use this page for searches like HELOTES, TX FMR, HELOTES, TX fair market rent, and HELOTES, TX Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for HELOTES, TX
Bedroom sizeHUD FMR
Studio$1,440
1 bedroom$1,590
2 bedroom$1,930
3 bedroom$2,450
4 bedroom$2,880