76540
ZIPSAFMR
Bell County, TX
BRFMR
Eff. Rent
0 BR$990$610
1 BR$1,000$650
2 BR$1,240$910
3 BR$1,720$1,210
4 BR$2,080$1,360
5 BR$2,392
6 BR$2,751
7 BR$3,163
8 BR$3,638

Purchase Price Calculator

Maximum purchase price
$73,309

Cost breakdown

+Likely effective rent$910
HUD FMR$1,240
Market rentUsed$910
Est. payment standard (90%)$1,120
Market rent is below the inferred standard ($1,120, 90% of FMR).
-Principal and interest-$371
Loan amount$58,647
Down payment$14,662
Rate6.50%
Term30 years
-Operating costs-$339
Property taxes-$73
Insurance-$175
Utilities$0
HOA$0
Management-$91
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$14,938(101.9% ROI)
Projected value
$78,946
Current value$73,309
Return breakdown
Property appreciation+$5,637
Loan principal paid down+$2,101
Rental cash flow+$7,200
5-year hold
+$25,380(173.1% ROI)
Projected value
$82,943
Current value$73,309
Return breakdown
Property appreciation+$9,633
Loan principal paid down+$3,747
Rental cash flow+$12,000
10-year hold
+$53,461(364.6% ROI)
Projected value
$93,842
Current value$73,309
Return breakdown
Property appreciation+$20,533
Loan principal paid down+$8,928
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.62ratio
FMR$990
Market$610
vs market+$380

FMR is above market; underwrite to market rent.

1.62
1 BR
1 BR
1.54ratio
FMR$1,000
Market$650
vs market+$350

FMR is above market; underwrite to market rent.

90% standard$900 / 1.38 ratio110% standard$1,100 / 1.69 ratio
1.54
2 BR
2 BR
1.36ratio
FMR$1,240
Market$910
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$1,116 / 1.23 ratio110% standard$1,364 / 1.50 ratio
1.36
3 BR
3 BR
1.42ratio
FMR$1,720
Market$1,210
vs market+$510

FMR is above market; underwrite to market rent.

90% standard$1,548 / 1.28 ratio110% standard$1,892 / 1.56 ratio
1.42
4 BR
4 BR
1.53ratio
FMR$2,080
Market$1,360
vs market+$720

FMR is above market; underwrite to market rent.

90% standard$1,872 / 1.38 ratio110% standard$2,288 / 1.68 ratio
1.53
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 76540 (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.

76540 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 76540 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,240 and the 4 bedroom fair market rent is $2,080.

Use this page for searches like 76540 FMR, 76540 fair market rent, and 76540 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 76540
Bedroom sizeHUD FMR
Studio$990
1 bedroom$1,000
2 bedroom$1,240
3 bedroom$1,720
4 bedroom$2,080