TX/Rains County/LONE OAK
LONE OAK, TX
CitySAFMR
Rains County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,170$1,170
1 BR$1,230$1,230
2 BR$1,430$940
3 BR$1,830$920
4 BR$2,290$2,290
5 BR$2,634
6 BR$3,029
7 BR$3,483
8 BR$4,005

Purchase Price Calculator

Maximum purchase price
$77,767

Cost breakdown

+Likely effective rent$940
HUD FMR$1,430
Market rentUsed$940
Est. payment standard (90%)$1,290
Market rent is below the inferred standard ($1,290, 90% of FMR).
-Principal and interest-$393
Loan amount$62,214
Down payment$15,553
Rate6.50%
Term30 years
-Operating costs-$347
Property taxes-$78
Insurance-$175
Utilities$0
HOA$0
Management-$94
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,409(99.1% ROI)
Projected value
$83,747
Current value$77,767
Return breakdown
Property appreciation+$5,980
Loan principal paid down+$2,229
Rental cash flow+$7,200
5-year hold
+$26,194(168.4% ROI)
Projected value
$87,986
Current value$77,767
Return breakdown
Property appreciation+$10,219
Loan principal paid down+$3,975
Rental cash flow+$12,000
10-year hold
+$55,253(355.2% ROI)
Projected value
$99,548
Current value$77,767
Return breakdown
Property appreciation+$21,781
Loan principal paid down+$9,471
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.

2 BR
2 BR- 75453
1.52ratio
FMR$1,430
Market$940
vs market+$490

FMR is above market; underwrite to market rent.

90% standard$1,287 / 1.37 ratio110% standard$1,573 / 1.67 ratio
1.52
3 BR
3 BR- 75453
1.99ratio
FMR$1,830
Market$920
vs market+$910

FMR is above market; underwrite to market rent.

1.99
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 LONE OAK, 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

LONE OAK, TX fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for LONE OAK, TX shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,430 and the 4 bedroom fair market rent is $2,290.

Use this page for searches like LONE OAK, TX FMR, LONE OAK, TX fair market rent, and LONE OAK, 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 LONE OAK, TX
Bedroom sizeHUD FMR
Studio$1,170
1 bedroom$1,230
2 bedroom$1,430
3 bedroom$1,830
4 bedroom$2,290