75605
ZIPSAFMR
Upshur County, TX
BRFMR
Eff. Rent
0 BR$1,100$1,210
1 BR$1,120$1,190
2 BR$1,340$1,470
3 BR$1,770$1,950
4 BR$1,880$2,070
5 BR$2,162
6 BR$2,486
7 BR$2,859
8 BR$3,288

Purchase Price Calculator

Maximum purchase price
$156,525

Cost breakdown

+Likely effective rent$1,470
HUD FMR$1,340
Market rent$1,560
Est. payment standard (110%)Used$1,470
Estimated payment standard is $1,470 (110% of FMR).
-Principal and interest-$791
Loan amount$125,220
Down payment$31,305
Rate6.50%
Term30 years
-Operating costs-$479
Property taxes-$157
Insurance-$175
Utilities$0
HOA$0
Management-$147
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,722(75.8% ROI)
Projected value
$168,560
Current value$156,525
Return breakdown
Property appreciation+$12,035
Loan principal paid down+$4,486
Rental cash flow+$7,200
5-year hold
+$40,569(129.6% ROI)
Projected value
$177,094
Current value$156,525
Return breakdown
Property appreciation+$20,569
Loan principal paid down+$8,000
Rental cash flow+$12,000
10-year hold
+$86,904(277.6% ROI)
Projected value
$200,365
Current value$156,525
Return breakdown
Property appreciation+$43,840
Loan principal paid down+$19,063
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.73ratio
FMR$1,100
Market$1,510
vs market-$410

FMR is below market; voucher rent may lag private rents.

90% standard$990 / 0.66 ratio110% standard$1,210 / 0.80 ratio
0.73
1 BR
1 BR
0.91ratio
FMR$1,120
Market$1,230
vs market-$110

FMR is near market; voucher and private rents are aligned.

90% standard$1,008 / 0.82 ratio110% standard$1,232 / 1.00 ratio
0.91
2 BR
2 BR
0.86ratio
FMR$1,340
Market$1,560
vs market-$220

FMR is below market; voucher rent may lag private rents.

90% standard$1,206 / 0.77 ratio110% standard$1,474 / 0.94 ratio
0.86
3 BR
3 BR
0.86ratio
FMR$1,770
Market$2,070
vs market-$300

FMR is below market; voucher rent may lag private rents.

90% standard$1,593 / 0.77 ratio110% standard$1,947 / 0.94 ratio
0.86
4 BR
4 BR
0.76ratio
FMR$1,880
Market$2,460
vs market-$580

FMR is below market; voucher rent may lag private rents.

90% standard$1,692 / 0.69 ratio110% standard$2,068 / 0.84 ratio
0.76
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 75605 (TX) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

75605 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 75605 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,340 and the 4 bedroom fair market rent is $1,880.

Use this page for searches like 75605 FMR, 75605 fair market rent, and 75605 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 75605
Bedroom sizeHUD FMR
Studio$1,100
1 bedroom$1,120
2 bedroom$1,340
3 bedroom$1,770
4 bedroom$1,880