75791
ZIPSAFMR
Smith County, TX
BRFMR
Eff. Rent
0 BR$1,210$1,220
1 BR$1,340$1,240
2 BR$1,650$1,430
3 BR$2,210$1,700
4 BR$2,440$2,150
5 BR$2,806
6 BR$3,227
7 BR$3,711
8 BR$4,268

Purchase Price Calculator

Maximum purchase price
$150,581

Cost breakdown

+Likely effective rent$1,430
HUD FMR$1,650
Market rentUsed$1,430
Est. payment standard (91%)$1,510
Market rent is below the inferred standard ($1,510, 91% of FMR).
-Principal and interest-$761
Loan amount$120,465
Down payment$30,116
Rate6.50%
Term30 years
-Operating costs-$469
Property taxes-$151
Insurance-$175
Utilities$0
HOA$0
Management-$143
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,094(76.7% ROI)
Projected value
$162,159
Current value$150,581
Return breakdown
Property appreciation+$11,578
Loan principal paid down+$4,316
Rental cash flow+$7,200
5-year hold
+$39,484(131.1% ROI)
Projected value
$170,368
Current value$150,581
Return breakdown
Property appreciation+$19,788
Loan principal paid down+$7,697
Rental cash flow+$12,000
10-year hold
+$84,515(280.6% ROI)
Projected value
$192,756
Current value$150,581
Return breakdown
Property appreciation+$42,175
Loan principal paid down+$18,339
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
0.99ratio
FMR$1,210
Market$1,220
vs market-$10

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

90% standard$1,089 / 0.89 ratio110% standard$1,331 / 1.09 ratio
0.99
1 BR
1 BR
1.08ratio
FMR$1,340
Market$1,240
vs market+$100

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

90% standard$1,206 / 0.97 ratio110% standard$1,474 / 1.19 ratio
1.08
2 BR
2 BR
1.15ratio
FMR$1,650
Market$1,430
vs market+$220

FMR is above market; underwrite to market rent.

90% standard$1,485 / 1.04 ratio110% standard$1,815 / 1.27 ratio
1.15
3 BR
3 BR
1.30ratio
FMR$2,210
Market$1,700
vs market+$510

FMR is above market; underwrite to market rent.

90% standard$1,989 / 1.17 ratio110% standard$2,431 / 1.43 ratio
1.30
4 BR
4 BR
1.13ratio
FMR$2,440
Market$2,150
vs market+$290

FMR is above market; underwrite to market rent.

90% standard$2,196 / 1.02 ratio110% standard$2,684 / 1.25 ratio
1.13
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 75791 (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.

75791 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 75791 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,650 and the 4 bedroom fair market rent is $2,440.

Use this page for searches like 75791 FMR, 75791 fair market rent, and 75791 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 75791
Bedroom sizeHUD FMR
Studio$1,210
1 bedroom$1,340
2 bedroom$1,650
3 bedroom$2,210
4 bedroom$2,440