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Trinity County/Lufkin/75904

75904

ZIPSAFMR
Trinity County, TX
Zillow

ZIP Investment Score

84Below average

095130300
BRFMR
Eff. Rent
0 BR$930$1,020
1 BR$950$1,050
2 BR$1,080$1,190
3 BR$1,470$1,580
4 BR$1,500$1,650
5 BR$1,725Not available
6 BR$1,984Not available
7 BR$2,281Not available
8 BR$2,624Not available

Purchase Price Calculator

Maximum purchase price
$114,917

Cost breakdown

+Likely effective rent$1,190
HUD FMR$1,080
Market rent$1,430
Est. payment standard (110%)Used$1,190
-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
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
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
Return breakdown
Property appreciation+$32,186
Loan principal paid down+$13,996
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.82
1 BR
0.81
2 BR
0.76
3 BR
0.90
4 BR
0.77
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 75904 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 75904 (Lufkin, TX) is $1,080 a month. That is up 4.9% from $1,030 in FY 2026. Lufkin is in the Trinity County, TX non-metropolitan 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 county-wide two-bedroom FMR of $1,079. Among 10 ZIP codes in Trinity County, 75904 is tied for the 7th-highest two-bedroom rent (county range $1,010–$1,280). The median county two-bedroom FMR in Texas is $1,105, so ZIP 75904 is 2% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 75904
BedroomsFY 2027Change90–110% range
Studio$930+5.7%$837–$1,023
1BR$950+5.6%$855–$1,045
2BR$1,080+4.9%$972–$1,188
3BR$1,470+6.5%$1,323–$1,617
4BR$1,500+4.2%$1,350–$1,650

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 75904
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$930$950$1,080$1,470$1,500
FY 2026$880$900$1,030$1,380$1,440
FY 2025$860$900$1,040$1,330$1,550
FY 2024area FMR$786$799$1,009$1,220$1,712
FY 2023area FMR$688$724$913$1,111$1,520

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Trinity County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 75904
75834$1,0800.0%
75845$1,150+6.5%
75847$1,280+18.5%
75851$1,090+0.9%
75856$1,180+9.3%
75862$1,090+0.9%
75865$1,0800.0%
75904Current$1,080—
75926$1,010−6.5%
77320$1,210+12.0%

Questions about ZIP 75904 rents

How much will Section 8 pay for a two-bedroom in ZIP 75904?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,079, which applies unless the housing authority uses Small Area FMRs, that basic range is $971 to $1,187 a month; under the ZIP-level Small Area FMR of $1,080 it would be $972 to $1,188. 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 75904 in?

ZIP 75904 is in the Trinity County, TX non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,079.

How much did fair market rent change in ZIP 75904 for FY 2027?

The two-bedroom FMR rose 4.9%, from $1,030 in FY 2026 to $1,080 in FY 2027. Since FY 2025 it has risen 3.8%.

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