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Upshur County/Gilmer/75644

75644

ZIPSAFMR
Upshur County, TX
Zillow

ZIP Investment Score

107Above average

095130300
BRFMR
Eff. Rent
0 BR$970$1,040
1 BR$970$1,010
2 BR$1,150$1,200
3 BR$1,500$1,390
4 BR$1,600$1,440
5 BR$1,840Not available
6 BR$2,116Not available
7 BR$2,433Not available
8 BR$2,798Not available

Purchase Price Calculator

Maximum purchase price
$116,403

Cost breakdown

+Likely effective rent$1,200
HUD FMR$1,150
Market rent$1,220
Est. payment standard (104%)Used$1,200
-Principal and interest-$589
Loan amount$93,122
Down payment$23,281
Rate6.50%
Term30 years
-Operating costs-$411
Property taxes-$116
Insurance-$175
Utilities$0
HOA$0
Management-$120
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,487(83.7% ROI)
Projected value
$125,353
Return breakdown
Property appreciation+$8,950
Loan principal paid down+$3,336
Rental cash flow+$7,200
5-year hold
+$33,246(142.8% ROI)
Projected value
$131,699
Return breakdown
Property appreciation+$15,296
Loan principal paid down+$5,950
Rental cash flow+$12,000
10-year hold
+$70,780(304.0% ROI)
Projected value
$149,006
Return breakdown
Property appreciation+$32,603
Loan principal paid down+$14,177
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.90
1 BR
0.94
2 BR
0.94
3 BR
1.08
4 BR
1.11
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 75644 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 75644 (Gilmer, TX) is $1,150 a month. That is up 2.7% from $1,120 in FY 2026. Gilmer is in the Longview, TX HUD Metro 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 metro-wide two-bedroom FMR of $1,232. Among 13 ZIP codes in Upshur County, 75644 is tied for the 7th-highest two-bedroom rent (county range $1,080–$1,380). The median county two-bedroom FMR in Texas is $1,105, so ZIP 75644 is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 75644
BedroomsFY 2027Change90–110% range
Studio$970+3.2%$873–$1,067
1BR$970+2.1%$873–$1,067
2BR$1,150+2.7%$1,035–$1,265
3BR$1,5000.0%$1,350–$1,650
4BR$1,600+1.3%$1,440–$1,760

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 75644
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$970$970$1,150$1,500$1,600
FY 2026$940$950$1,120$1,500$1,580
FY 2025$890$890$1,070$1,450$1,530
FY 2024$800$840$990$1,380$1,500
FY 2023$700$760$910$1,270$1,410

Two-bedroom rent in nearby Upshur County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 75644
75494$1,100−4.3%
75604$1,230+7.0%
75605$1,380+20.0%
75640$1,330+15.7%
75644Current$1,150—
75645$1,240+7.8%
75647$1,210+5.2%
75683$1,1500.0%
75686$1,080−6.1%
75693$1,320+14.8%
75755$1,100−4.3%
75765$1,080−6.1%

Questions about ZIP 75644 rents

How much will Section 8 pay for a two-bedroom in ZIP 75644?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,232, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,109 to $1,355 a month; under the ZIP-level Small Area FMR of $1,150 it would be $1,035 to $1,265. 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 75644 in?

ZIP 75644 is in the Longview, TX HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,232.

How much did fair market rent change in ZIP 75644 for FY 2027?

The two-bedroom FMR rose 2.7%, from $1,120 in FY 2026 to $1,150 in FY 2027. Since FY 2023 it has risen 26.4%.

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