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Smith County/Winona/75792

75792

ZIPSAFMR
Smith County, TX
Zillow

ZIP Investment Score

61Below average

095130300
BRFMR
Eff. Rent
0 BR$890$890
1 BR$990$990
2 BR$1,210$1,210
3 BR$1,620$1,440
4 BR$1,790$1,790
5 BR$2,059Not available
6 BR$2,367Not available
7 BR$2,722Not available
8 BR$3,131Not available

Purchase Price Calculator

Maximum purchase price
$117,889

Cost breakdown

+Likely effective rent$1,210
HUD FMRUsed$1,210
Market rentN/A
Est. payment standardN/A
-Principal and interest-$596
Loan amount$94,311
Down payment$23,578
Rate6.50%
Term30 years
-Operating costs-$414
Property taxes-$118
Insurance-$175
Utilities$0
HOA$0
Management-$121
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,644(83.3% ROI)
Projected value
$126,954
Return breakdown
Property appreciation+$9,065
Loan principal paid down+$3,379
Rental cash flow+$7,200
5-year hold
+$33,517(142.2% ROI)
Projected value
$133,381
Return breakdown
Property appreciation+$15,492
Loan principal paid down+$6,026
Rental cash flow+$12,000
10-year hold
+$71,377(302.7% ROI)
Projected value
$150,908
Return breakdown
Property appreciation+$33,019
Loan principal paid down+$14,358
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

3 BR
1.13
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 75792 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 75792 (Winona, TX) is $1,210 a month. That is down 7.6% from $1,310 in FY 2026. Winona is in the Tyler, TX MSA. 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 $1,277. Among 26 ZIP codes in Smith County, 75792 is tied for the 16th-highest two-bedroom rent (county range $1,210–$1,720). The median county two-bedroom FMR in Texas is $1,105, so ZIP 75792 is 10% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 75792
BedroomsFY 2027Change90–110% range
Studio$890−7.3%$801–$979
1BR$990−7.5%$891–$1,089
2BR$1,210−7.6%$1,089–$1,331
3BR$1,620−8.0%$1,458–$1,782
4BR$1,790−7.7%$1,611–$1,969

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 75792
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$890$990$1,210$1,620$1,790
FY 2026$960$1,070$1,310$1,760$1,940
FY 2025$1,030$1,120$1,380$1,840$2,080
FY 2024$1,060$1,110$1,360$1,790$2,110
FY 2023$1,000$1,010$1,230$1,580$1,940

Two-bedroom rent in nearby Smith County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 75792
75711$1,340+10.7%
75712$1,280+5.8%
75713$1,280+5.8%
75750$1,2100.0%
75757$1,320+9.1%
75762$1,310+8.3%
75771$1,410+16.5%
75773$1,2100.0%
75789$1,2100.0%
75790$1,230+1.7%
75791$1,570+29.8%
75792Current$1,210—

Questions about ZIP 75792 rents

How much will Section 8 pay for a two-bedroom in ZIP 75792?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,277, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,149 to $1,405 a month; under the ZIP-level Small Area FMR of $1,210 it would be $1,089 to $1,331. 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 75792 in?

ZIP 75792 is in the Tyler, TX MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,277.

How much did fair market rent change in ZIP 75792 for FY 2027?

The two-bedroom FMR fell 7.6%, from $1,310 in FY 2026 to $1,210 in FY 2027. Since FY 2023 it has fallen 1.6%.

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