76266
ZIPSAFMR
Cooke County, TX
BRFMR
Eff. Rent
0 BR$1,500$1,500
1 BR$1,560$1,550
2 BR$1,830$1,620
3 BR$2,300$1,890
4 BR$2,930$2,260
5 BR$3,369
6 BR$3,875
7 BR$4,456
8 BR$5,125

Purchase Price Calculator

Maximum purchase price
$178,815

Cost breakdown

+Likely effective rent$1,620
HUD FMR$1,830
Market rentUsed$1,620
Est. payment standard (93%)$1,690
Market rent is below the inferred standard ($1,690, 93% of FMR).
-Principal and interest-$904
Loan amount$143,052
Down payment$35,763
Rate6.50%
Term30 years
-Operating costs-$516
Property taxes-$179
Insurance-$175
Utilities$0
HOA$0
Management-$162
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,074(72.9% ROI)
Projected value
$192,564
Current value$178,815
Return breakdown
Property appreciation+$13,749
Loan principal paid down+$5,125
Rental cash flow+$7,200
5-year hold
+$44,637(124.8% ROI)
Projected value
$202,313
Current value$178,815
Return breakdown
Property appreciation+$23,498
Loan principal paid down+$9,140
Rental cash flow+$12,000
10-year hold
+$95,861(268.0% ROI)
Projected value
$228,898
Current value$178,815
Return breakdown
Property appreciation+$50,083
Loan principal paid down+$21,778
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
1.00ratio
FMR$1,500
Market$1,500
vs market+$0

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

90% standard$1,350 / 0.90 ratio110% standard$1,650 / 1.10 ratio
1.00
1 BR
1 BR
1.01ratio
FMR$1,560
Market$1,550
vs market+$10

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

90% standard$1,404 / 0.91 ratio110% standard$1,716 / 1.11 ratio
1.01
2 BR
2 BR
1.13ratio
FMR$1,830
Market$1,620
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,647 / 1.02 ratio110% standard$2,013 / 1.24 ratio
1.13
3 BR
3 BR
1.22ratio
FMR$2,300
Market$1,890
vs market+$410

FMR is above market; underwrite to market rent.

90% standard$2,070 / 1.10 ratio110% standard$2,530 / 1.34 ratio
1.22
4 BR
4 BR
1.30ratio
FMR$2,930
Market$2,260
vs market+$670

FMR is above market; underwrite to market rent.

90% standard$2,637 / 1.17 ratio110% standard$3,223 / 1.43 ratio
1.30
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 76266 (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.

76266 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 76266 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,830 and the 4 bedroom fair market rent is $2,930.

Use this page for searches like 76266 FMR, 76266 fair market rent, and 76266 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 76266
Bedroom sizeHUD FMR
Studio$1,500
1 bedroom$1,560
2 bedroom$1,830
3 bedroom$2,300
4 bedroom$2,930