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Ponder, TX

CitySAFMR
Wise County
Found 1 ZIP

City Median Investment Score

82Below average

095130300
BRFMR
Eff. Rent
0 BR$1,310$1,440
1 BR$1,350$1,490
2 BR$1,590$1,750
3 BR$2,000$1,940
4 BR$2,540$2,170
5 BR$2,921Not available
6 BR$3,359Not available
7 BR$3,863Not available
8 BR$4,442Not available

Purchase Price Calculator

Maximum purchase price
$198,133

Cost breakdown

+Likely effective rent$1,750
HUD FMR$1,590
Market rent$1,920
Est. payment standard (110%)Used$1,750
-Principal and interest-$1,002
Loan amount$158,506
Down payment$39,627
Rate6.50%
Term30 years
-Operating costs-$548
Property taxes-$198
Insurance-$175
Utilities$0
HOA$0
Management-$175
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,113(70.9% ROI)
Projected value
$213,367
Return breakdown
Property appreciation+$15,235
Loan principal paid down+$5,679
Rental cash flow+$7,200
5-year hold
+$48,163(121.5% ROI)
Projected value
$224,169
Return breakdown
Property appreciation+$26,036
Loan principal paid down+$10,127
Rental cash flow+$12,000
10-year hold
+$103,625(261.5% ROI)
Projected value
$253,627
Return breakdown
Property appreciation+$55,494
Loan principal paid down+$24,131
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.78
1 BR
0.75
2 BR
0.83
3 BR
1.03
4 BR
1.17
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Ponder, TX fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Ponder, TX is $1,590 a month. That is down 4.8% from $1,670 in FY 2026. Ponder is in the Wise County, TX HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. The median county two-bedroom FMR in Texas is $1,105, so Ponder is 44% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Ponder, TX
BedroomsFY 2027Change90–110% range
Studio$1,310−4.4%$1,179–$1,441
1BR$1,350−5.6%$1,215–$1,485
2BR$1,590−4.8%$1,431–$1,749
3BR$2,000−4.8%$1,800–$2,200
4BR$2,540−4.9%$2,286–$2,794

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Ponder, TX
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,310$1,350$1,590$2,000$2,540
FY 2026$1,370$1,430$1,670$2,100$2,670
FY 2025$1,360$1,420$1,670$2,090$2,690
FY 2024$1,380$1,450$1,700$2,140$2,750
FY 2023$1,340$1,410$1,660$2,090$2,730

Questions about Ponder, TX rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,590, that basic range is $1,431 to $1,749 a month. 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 Ponder, TX in?

Ponder, TX is in the Wise County, TX HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

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

The two-bedroom FMR fell 4.8%, from $1,670 in FY 2026 to $1,590 in FY 2027. Since FY 2023 it has fallen 4.2%.

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