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Hunt County/Royse City/75189

75189

ZIPSAFMR
Hunt County, TX
Zillow

ZIP Investment Score

80Below average

095130300
BRFMR
Eff. Rent
0 BR$1,970$1,340
1 BR$2,030$1,340
2 BR$2,390$1,770
3 BR$3,010$2,020
4 BR$3,830$2,350
5 BR$4,405Not available
6 BR$5,065Not available
7 BR$5,825Not available
8 BR$6,699Not available

Purchase Price Calculator

Maximum purchase price
$201,105

Cost breakdown

+Likely effective rent$1,770
HUD FMR$2,390
Market rentUsed$1,770
Est. payment standard (90%)$2,150
-Principal and interest-$1,017
Loan amount$160,884
Down payment$40,221
Rate6.50%
Term30 years
-Operating costs-$553
Property taxes-$201
Insurance-$175
Utilities$0
HOA$0
Management-$177
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,427(70.7% ROI)
Projected value
$216,568
Return breakdown
Property appreciation+$15,463
Loan principal paid down+$5,764
Rental cash flow+$7,200
5-year hold
+$48,706(121.1% ROI)
Projected value
$227,532
Return breakdown
Property appreciation+$26,427
Loan principal paid down+$10,279
Rental cash flow+$12,000
10-year hold
+$104,819(260.6% ROI)
Projected value
$257,431
Return breakdown
Property appreciation+$56,326
Loan principal paid down+$24,493
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.47
1 BR
1.51
2 BR
1.35
3 BR
1.49
4 BR
1.63
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 75189 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 75189 (Royse City, TX) is $2,390 a month. That is down 3.2% from $2,470 in FY 2026. Royse City is in the Dallas, TX HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 22 ZIP codes in Hunt County, 75189 has the highest two-bedroom rent (county range $1,070–$2,390). The median county two-bedroom FMR in Texas is $1,105, so ZIP 75189 is 116% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 75189
BedroomsFY 2027Change90–110% range
Studio$1,970−2.5%$1,773–$2,167
1BR$2,030−3.8%$1,827–$2,233
2BR$2,390−3.2%$2,151–$2,629
3BR$3,010−3.2%$2,709–$3,311
4BR$3,830−3.0%$3,447–$4,213

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 75189
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,970$2,030$2,390$3,010$3,830
FY 2026$2,020$2,110$2,470$3,110$3,950
FY 2025$1,930$2,030$2,380$2,980$3,830
FY 2024$1,830$1,930$2,260$2,840$3,660
FY 2023$1,640$1,730$2,040$2,570$3,350

Two-bedroom rent in nearby Hunt County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 75189
75135$1,650−31.0%
75160$1,390−41.8%
75169$1,140−52.3%
75189Current$2,390—
75401$1,350−43.5%
75402$1,620−32.2%
75403$1,390−41.8%
75404$1,390−41.8%
75422$1,340−43.9%
75423$1,240−48.1%
75428$1,120−53.1%
75429$1,390−41.8%

Questions about ZIP 75189 rents

How much will Section 8 pay for a two-bedroom in ZIP 75189?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,390, that basic range is $2,151 to $2,629 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 ZIP 75189 in?

ZIP 75189 is in the Dallas, 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 ZIP 75189 for FY 2027?

The two-bedroom FMR fell 3.2%, from $2,470 in FY 2026 to $2,390 in FY 2027. Since FY 2023 it has risen 17.2%.

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

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