PALMER, TX
CitySAFMR
Ellis County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,650$1,740
1 BR$1,720$1,570
2 BR$2,010$1,680
3 BR$2,530$1,970
4 BR$3,220$2,210
5 BR$3,703
6 BR$4,258
7 BR$4,897
8 BR$5,632

Purchase Price Calculator

Maximum purchase price
$187,731

Cost breakdown

+Likely effective rent$1,680
HUD FMR$2,010
Market rentUsed$1,680
Est. payment standard (90%)$1,810
Market rent is below the inferred standard ($1,810, 90% of FMR).
-Principal and interest-$949
Loan amount$150,185
Down payment$37,546
Rate6.50%
Term30 years
-Operating costs-$531
Property taxes-$188
Insurance-$175
Utilities$0
HOA$0
Management-$168
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,015(72.0% ROI)
Projected value
$202,166
Current value$187,731
Return breakdown
Property appreciation+$14,435
Loan principal paid down+$5,381
Rental cash flow+$7,200
5-year hold
+$46,265(123.2% ROI)
Projected value
$212,400
Current value$187,731
Return breakdown
Property appreciation+$24,669
Loan principal paid down+$9,595
Rental cash flow+$12,000
10-year hold
+$99,444(264.9% ROI)
Projected value
$240,311
Current value$187,731
Return breakdown
Property appreciation+$52,581
Loan principal paid down+$22,864
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- 75152
0.92ratio
FMR$1,650
Market$1,790
vs market-$140

FMR is near market; voucher and private rents are aligned.

90% standard$1,485 / 0.83 ratio110% standard$1,815 / 1.01 ratio
0.92
1 BR
1 BR- 75152
1.10ratio
FMR$1,720
Market$1,570
vs market+$150

FMR is near market; voucher and private rents are aligned.

90% standard$1,548 / 0.99 ratio110% standard$1,892 / 1.21 ratio
1.10
2 BR
2 BR- 75152
1.20ratio
FMR$2,010
Market$1,680
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$1,809 / 1.08 ratio110% standard$2,211 / 1.32 ratio
1.20
3 BR
3 BR- 75152
1.28ratio
FMR$2,530
Market$1,970
vs market+$560

FMR is above market; underwrite to market rent.

90% standard$2,277 / 1.16 ratio110% standard$2,783 / 1.41 ratio
1.28
4 BR
4 BR- 75152
1.46ratio
FMR$3,220
Market$2,210
vs market+$1,010

FMR is above market; underwrite to market rent.

90% standard$2,898 / 1.31 ratio110% standard$3,542 / 1.60 ratio
1.46
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit 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 PALMER, 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

PALMER, TX fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for PALMER, TX shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,010 and the 4 bedroom fair market rent is $3,220.

Use this page for searches like PALMER, TX FMR, PALMER, TX fair market rent, and PALMER, 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 PALMER, TX
Bedroom sizeHUD FMR
Studio$1,650
1 bedroom$1,720
2 bedroom$2,010
3 bedroom$2,530
4 bedroom$3,220