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TX/Cherokee County/Jacksonville

Jacksonville, TX

CitySAFMR
Cherokee County
Found 1 ZIP

City Median Investment Score

78Below average

095130300
BRFMR
Eff. Rent
0 BR$780$840
1 BR$790$860
2 BR$1,030$1,050
3 BR$1,310$1,370
4 BR$1,480$1,510
5 BR$1,702Not available
6 BR$1,957Not available
7 BR$2,251Not available
8 BR$2,589Not available

Purchase Price Calculator

Maximum purchase price
$94,113

Cost breakdown

+Likely effective rent$1,050
HUD FMR$1,030
Market rent$1,060
Est. payment standard (102%)Used$1,050
-Principal and interest-$476
Loan amount$75,290
Down payment$18,823
Rate6.50%
Term30 years
-Operating costs-$374
Property taxes-$94
Insurance-$175
Utilities$0
HOA$0
Management-$105
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,134(91.0% ROI)
Projected value
$101,349
Return breakdown
Property appreciation+$7,236
Loan principal paid down+$2,697
Rental cash flow+$7,200
5-year hold
+$29,178(155.0% ROI)
Projected value
$106,480
Return breakdown
Property appreciation+$12,367
Loan principal paid down+$4,810
Rental cash flow+$12,000
10-year hold
+$61,822(328.4% ROI)
Projected value
$120,473
Return breakdown
Property appreciation+$26,360
Loan principal paid down+$11,462
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.90
1 BR
0.88
2 BR
0.97
3 BR
0.94
4 BR
0.97
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Jacksonville, TX fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Jacksonville, TX is $1,030 a month. That is up 6.2% from $970 in FY 2026. Jacksonville is in the Cherokee County, TX non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,062. The median county two-bedroom FMR in Texas is $1,105, so Jacksonville is 7% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Jacksonville, TX
BedroomsFY 2027Change90–110% range
Studio$780+5.4%$702–$858
1BR$790+5.3%$711–$869
2BR$1,030+6.2%$927–$1,133
3BR$1,310−3.0%$1,179–$1,441
4BR$1,480+3.5%$1,332–$1,628

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Jacksonville, TX
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$780$790$1,030$1,310$1,480
FY 2026$740$750$970$1,350$1,430
FY 2025$680$710$930$1,310$1,400
FY 2024area FMR$654$734$965$1,360$1,434
FY 2023area FMR$570$647$852$1,211$1,253

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Questions about Jacksonville, TX rents

How much will Section 8 pay for a two-bedroom in Jacksonville, TX?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,062, which applies unless the housing authority uses Small Area FMRs, that basic range is $956 to $1,168 a month; under the ZIP-level Small Area FMR of $1,030 it would be $927 to $1,133. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Jacksonville, TX in?

Jacksonville, TX is in the Cherokee County, TX non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,062.

How much did fair market rent change in Jacksonville, TX for FY 2027?

The two-bedroom FMR rose 6.2%, from $970 in FY 2026 to $1,030 in FY 2027. Since FY 2025 it has risen 10.8%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set