Not enough rental comps in this area to determine how FMR aligns with current market rates.
Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 75105 fair market rent, FY 2027
For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 75105 (Chatfield, TX) is $1,220 a month. That is unchanged from FY 2026. Chatfield is in the Navarro 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 $1,139. Among 18 ZIP codes in Navarro County, 75105 is tied for the 4th-highest two-bedroom rent (county range $1,010–$1,550). The median county two-bedroom FMR in Texas is $1,105, so ZIP 75105 is 10% above it.
FY 2027 rent by bedroom
FY 2027 fair market rent by bedroom for 75105
Bedrooms
FY 2026
FY 2027
Change
90–110% range
Studio
$940
$930
−1.1%
$837–$1,023
1BR
$1,020
$1,020
0.0%
$918–$1,122
2BR
$1,220
$1,220
0.0%
$1,098–$1,342
3BR
$1,610
$1,580
−1.9%
$1,422–$1,738
4BR
$1,860
$1,780
−4.3%
$1,602–$1,958
Fair market rent history, FY 2023–2027
Fair market rent by fiscal year for 75105
Fiscal year
Studio
1BR
2BR
3BR
4BR
FY 2027
$930
$1,020
$1,220
$1,580
$1,780
FY 2026
$940
$1,020
$1,220
$1,610
$1,860
FY 2025
$900
$980
$1,170
$1,550
$1,800
FY 2024area FMR
$700
$772
$1,015
$1,430
$1,722
FY 2023area FMR
$595
$672
$885
$1,252
$1,507
Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.
Two-bedroom rent in nearby Navarro County ZIP codes
How much will Section 8 pay for a two-bedroom in ZIP 75105?
Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,139, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,025 to $1,253 a month; under the ZIP-level Small Area FMR of $1,220 it would be $1,098 to $1,342. 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 75105 in?
ZIP 75105 is in the Navarro County, TX non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,139.
How much did fair market rent change in ZIP 75105 for FY 2027?
The two-bedroom FMR was unchanged at $1,220 in FY 2027. Since FY 2025 it has risen 4.3%.
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