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Hunt County/Commerce/75428

75428

ZIPSAFMR
Hunt County, TX
Zillow

ZIP Investment Score

57Below average

095130300
BRFMR
Eff. Rent
0 BR$910$780
1 BR$950$810
2 BR$1,120$970
3 BR$1,410$1,040
4 BR$1,790$960
5 BR$2,059Not available
6 BR$2,367Not available
7 BR$2,722Not available
8 BR$3,131Not available

Purchase Price Calculator

Maximum purchase price
$82,225

Cost breakdown

+Likely effective rent$970
HUD FMR$1,120
Market rentUsed$970
Est. payment standard (91%)$1,020
-Principal and interest-$416
Loan amount$65,780
Down payment$16,445
Rate6.50%
Term30 years
-Operating costs-$354
Property taxes-$82
Insurance-$175
Utilities$0
HOA$0
Management-$97
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,879(96.6% ROI)
Projected value
$88,547
Return breakdown
Property appreciation+$6,322
Loan principal paid down+$2,357
Rental cash flow+$7,200
5-year hold
+$27,008(164.2% ROI)
Projected value
$93,030
Return breakdown
Property appreciation+$10,805
Loan principal paid down+$4,203
Rental cash flow+$12,000
10-year hold
+$57,044(346.9% ROI)
Projected value
$105,255
Return breakdown
Property appreciation+$23,030
Loan principal paid down+$10,014
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.17
1 BR
1.17
2 BR
1.15
3 BR
1.36
4 BR
1.86
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 75428 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 75428 (Commerce, TX) is $1,120 a month. That is down 9.7% from $1,240 in FY 2026. Commerce 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, 75428 has the 20th-highest two-bedroom rent (county range $1,070–$2,390). The median county two-bedroom FMR in Texas is $1,105, so ZIP 75428 is 1% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 75428
BedroomsFY 2027Change90–110% range
Studio$910−9.9%$819–$1,001
1BR$950−9.5%$855–$1,045
2BR$1,120−9.7%$1,008–$1,232
3BR$1,410−9.6%$1,269–$1,551
4BR$1,790−9.6%$1,611–$1,969

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 75428
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$910$950$1,120$1,410$1,790
FY 2026$1,010$1,050$1,240$1,560$1,980
FY 2025$1,030$1,090$1,270$1,600$2,050
FY 2024$1,010$1,060$1,240$1,560$2,010
FY 2023$930$970$1,150$1,450$1,890

Two-bedroom rent in nearby Hunt County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 75428
75403$1,390+24.1%
75404$1,390+24.1%
75422$1,340+19.6%
75423$1,240+10.7%
75428Current$1,120—
75429$1,390+24.1%
75433$1,240+10.7%
75442$1,650+47.3%
75448$1,090−2.7%
75449$1,150+2.7%
75452$1,240+10.7%
75453$1,290+15.2%

Questions about ZIP 75428 rents

How much will Section 8 pay for a two-bedroom in ZIP 75428?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,120, that basic range is $1,008 to $1,232 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 75428 in?

ZIP 75428 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 75428 for FY 2027?

The two-bedroom FMR fell 9.7%, from $1,240 in FY 2026 to $1,120 in FY 2027. Since FY 2023 it has fallen 2.6%.

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