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Grayson County/Pottsboro/75076

75076

ZIPSAFMR
Grayson County, TX
Zillow

ZIP Investment Score

74Below average

095130300
BRFMR
Eff. Rent
0 BR$1,260$1,390
1 BR$1,290$1,400
2 BR$1,600$1,720
3 BR$2,220$2,110
4 BR$2,460$2,320
5 BR$2,829Not available
6 BR$3,253Not available
7 BR$3,741Not available
8 BR$4,303Not available

Purchase Price Calculator

Maximum purchase price
$193,675

Cost breakdown

+Likely effective rent$1,720
HUD FMR$1,600
Market rent$1,790
Est. payment standard (108%)Used$1,720
-Principal and interest-$979
Loan amount$154,940
Down payment$38,735
Rate6.50%
Term30 years
-Operating costs-$541
Property taxes-$194
Insurance-$175
Utilities$0
HOA$0
Management-$172
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,643(71.4% ROI)
Projected value
$208,567
Return breakdown
Property appreciation+$14,892
Loan principal paid down+$5,551
Rental cash flow+$7,200
5-year hold
+$47,350(122.2% ROI)
Projected value
$219,125
Return breakdown
Property appreciation+$25,450
Loan principal paid down+$9,899
Rental cash flow+$12,000
10-year hold
+$101,833(262.9% ROI)
Projected value
$247,920
Return breakdown
Property appreciation+$54,245
Loan principal paid down+$23,588
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.78
1 BR
0.88
2 BR
0.89
3 BR
1.05
4 BR
1.06
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 75076 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 75076 (Pottsboro, TX) is $1,600 a month. That is down 3.0% from $1,650 in FY 2026. Pottsboro is in the Sherman-Denison, TX MSA. 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 metro-wide two-bedroom FMR of $1,395. Among 23 ZIP codes in Grayson County, 75076 has the 6th-highest two-bedroom rent (county range $1,100–$2,340). The median county two-bedroom FMR in Texas is $1,105, so ZIP 75076 is 45% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 75076
BedroomsFY 2027Change90–110% range
Studio$1,260−5.3%$1,134–$1,386
1BR$1,290−3.0%$1,161–$1,419
2BR$1,600−3.0%$1,440–$1,760
3BR$2,220−3.1%$1,998–$2,442
4BR$2,460−6.5%$2,214–$2,706

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 75076
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,260$1,290$1,600$2,220$2,460
FY 2026$1,330$1,330$1,650$2,290$2,630
FY 2025$1,300$1,360$1,640$2,290$2,750
FY 2024$1,070$1,240$1,460$2,000$2,480
FY 2023$820$1,010$1,180$1,590$1,970

Two-bedroom rent in nearby Grayson County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 75076
75009$2,340+46.3%
75020$1,360−15.0%
75021$1,240−22.5%
75058$1,700+6.3%
75076Current$1,600—
75090$1,340−16.2%
75091$1,400−12.5%
75092$1,410−11.9%
75414$1,220−23.7%
75459$1,440−10.0%
75479$1,220−23.7%
75489$1,510−5.6%

Questions about ZIP 75076 rents

How much will Section 8 pay for a two-bedroom in ZIP 75076?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,395, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,256 to $1,535 a month; under the ZIP-level Small Area FMR of $1,600 it would be $1,440 to $1,760. 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 ZIP 75076 in?

ZIP 75076 is in the Sherman-Denison, TX MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,395.

How much did fair market rent change in ZIP 75076 for FY 2027?

The two-bedroom FMR fell 3.0%, from $1,650 in FY 2026 to $1,600 in FY 2027. Since FY 2023 it has risen 35.6%.

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

County fair market rentPottsboro, TX fair market rentTX statewide rentsWhat is SAFMR?Data sources