75709
ZIPSAFMR
Smith County, TX
BRFMR
Eff. Rent
0 BR$1,070$800
1 BR$1,180$940
2 BR$1,450$1,190
3 BR$1,940$2,010
4 BR$2,150$2,130
5 BR$2,473
6 BR$2,843
7 BR$3,270
8 BR$3,760

Purchase Price Calculator

Maximum purchase price
$114,917

Cost breakdown

+Likely effective rent$1,190
HUD FMR$1,450
Market rentUsed$1,190
Est. payment standard (90%)$1,310
Market rent is below the inferred standard ($1,310, 90% of FMR).
-Principal and interest-$581
Loan amount$91,934
Down payment$22,983
Rate6.50%
Term30 years
-Operating costs-$409
Property taxes-$115
Insurance-$175
Utilities$0
HOA$0
Management-$119
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,330(84.1% ROI)
Projected value
$123,753
Current value$114,917
Return breakdown
Property appreciation+$8,836
Loan principal paid down+$3,294
Rental cash flow+$7,200
5-year hold
+$32,975(143.5% ROI)
Projected value
$130,018
Current value$114,917
Return breakdown
Property appreciation+$15,101
Loan principal paid down+$5,874
Rental cash flow+$12,000
10-year hold
+$70,182(305.4% ROI)
Projected value
$147,103
Current value$114,917
Return breakdown
Property appreciation+$32,186
Loan principal paid down+$13,996
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
1.34ratio
FMR$1,070
Market$800
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$963 / 1.20 ratio110% standard$1,177 / 1.47 ratio
1.34
1 BR
1 BR
1.26ratio
FMR$1,180
Market$940
vs market+$240

FMR is above market; underwrite to market rent.

90% standard$1,062 / 1.13 ratio110% standard$1,298 / 1.38 ratio
1.26
2 BR
2 BR
1.22ratio
FMR$1,450
Market$1,190
vs market+$260

FMR is above market; underwrite to market rent.

90% standard$1,305 / 1.10 ratio110% standard$1,595 / 1.34 ratio
1.22
3 BR
3 BR
0.95ratio
FMR$1,940
Market$2,050
vs market-$110

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

90% standard$1,746 / 0.85 ratio110% standard$2,134 / 1.04 ratio
0.95
4 BR
4 BR
1.01ratio
FMR$2,150
Market$2,130
vs market+$20

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

90% standard$1,935 / 0.91 ratio110% standard$2,365 / 1.11 ratio
1.01
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 75709 (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.

75709 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 75709 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,450 and the 4 bedroom fair market rent is $2,150.

Use this page for searches like 75709 FMR, 75709 fair market rent, and 75709 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 75709
Bedroom sizeHUD FMR
Studio$1,070
1 bedroom$1,180
2 bedroom$1,450
3 bedroom$1,940
4 bedroom$2,150