75790
ZIPSAFMR
Smith County, TX
BRFMR
Eff. Rent
0 BR$900$990
1 BR$980$1,080
2 BR$1,200$1,320
3 BR$1,600$1,550
4 BR$1,810$1,660
5 BR$2,082
6 BR$2,394
7 BR$2,753
8 BR$3,166

Purchase Price Calculator

Maximum purchase price
$134,235

Cost breakdown

+Likely effective rent$1,320
HUD FMR$1,200
Market rent$1,440
Est. payment standard (110%)Used$1,320
Estimated payment standard is $1,320 (110% of FMR).
-Principal and interest-$679
Loan amount$107,388
Down payment$26,847
Rate6.50%
Term30 years
-Operating costs-$441
Property taxes-$134
Insurance-$175
Utilities$0
HOA$0
Management-$132
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,369(79.6% ROI)
Projected value
$144,556
Current value$134,235
Return breakdown
Property appreciation+$10,321
Loan principal paid down+$3,847
Rental cash flow+$7,200
5-year hold
+$36,501(136.0% ROI)
Projected value
$151,875
Current value$134,235
Return breakdown
Property appreciation+$17,640
Loan principal paid down+$6,861
Rental cash flow+$12,000
10-year hold
+$77,946(290.3% ROI)
Projected value
$171,832
Current value$134,235
Return breakdown
Property appreciation+$37,597
Loan principal paid down+$16,349
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
0.67ratio
FMR$900
Market$1,350
vs market-$450

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

90% standard$810 / 0.60 ratio110% standard$990 / 0.73 ratio
0.67
1 BR
1 BR
0.73ratio
FMR$980
Market$1,350
vs market-$370

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

90% standard$882 / 0.65 ratio110% standard$1,078 / 0.80 ratio
0.73
2 BR
2 BR
0.83ratio
FMR$1,200
Market$1,440
vs market-$240

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

90% standard$1,080 / 0.75 ratio110% standard$1,320 / 0.92 ratio
0.83
3 BR
3 BR
1.03ratio
FMR$1,600
Market$1,550
vs market+$50

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

90% standard$1,440 / 0.93 ratio110% standard$1,760 / 1.14 ratio
1.03
4 BR
4 BR
1.09ratio
FMR$1,810
Market$1,660
vs market+$150

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

90% standard$1,629 / 0.98 ratio110% standard$1,991 / 1.20 ratio
1.09
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 75790 (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.

75790 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 75790 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,200 and the 4 bedroom fair market rent is $1,810.

Use this page for searches like 75790 FMR, 75790 fair market rent, and 75790 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 75790
Bedroom sizeHUD FMR
Studio$900
1 bedroom$980
2 bedroom$1,200
3 bedroom$1,600
4 bedroom$1,810