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Bell County/Killeen/76543

76543

ZIPSAFMR
Bell County, TX
Zillow

ZIP Investment Score

99Above average

095130300
BRFMR
Eff. Rent
0 BR$890$960
1 BR$900$980
2 BR$1,110$1,100
3 BR$1,540$1,410
4 BR$1,870$1,550
5 BR$2,151Not available
6 BR$2,473Not available
7 BR$2,844Not available
8 BR$3,271Not available

Purchase Price Calculator

Maximum purchase price
$101,543

Cost breakdown

+Likely effective rent$1,100
HUD FMR$1,110
Market rentUsed$1,100
Est. payment standard (99%)$1,100
-Principal and interest-$513
Loan amount$81,234
Down payment$20,309
Rate6.50%
Term30 years
-Operating costs-$387
Property taxes-$102
Insurance-$175
Utilities$0
HOA$0
Management-$110
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,918(88.2% ROI)
Projected value
$109,351
Return breakdown
Property appreciation+$7,808
Loan principal paid down+$2,910
Rental cash flow+$7,200
5-year hold
+$30,534(150.3% ROI)
Projected value
$114,887
Return breakdown
Property appreciation+$13,344
Loan principal paid down+$5,190
Rental cash flow+$12,000
10-year hold
+$64,808(319.1% ROI)
Projected value
$129,984
Return breakdown
Property appreciation+$28,441
Loan principal paid down+$12,367
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.89
1 BR
0.88
2 BR
1.01
3 BR
1.09
4 BR
1.21
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 76543 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 76543 (Killeen, TX) is $1,110 a month. That is down 6.7% from $1,190 in FY 2026. Killeen is in the Killeen-Temple, TX HUD Metro 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 metro-wide two-bedroom FMR of $1,138. Among 29 ZIP codes in Bell County, 76543 is tied for the 22nd-highest two-bedroom rent (county range $1,110–$1,910).

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 76543
BedroomsFY 2027Change90–110% range
Studio$890−6.3%$801–$979
1BR$900−6.2%$810–$990
2BR$1,110−6.7%$999–$1,221
3BR$1,540−6.7%$1,386–$1,694
4BR$1,870−6.5%$1,683–$2,057

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 76543
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$890$900$1,110$1,540$1,870
FY 2026$950$960$1,190$1,650$2,000
FY 2025$870$870$1,100$1,530$1,850
FY 2024$850$860$1,080$1,520$1,830
FY 2023$730$730$930$1,320$1,580

Two-bedroom rent in nearby Bell County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 76543
76533$1,140+2.7%
76534$1,120+0.9%
76537$1,910+72.1%
76539$1,240+11.7%
76540$1,140+2.7%
76541$1,1100.0%
76542$1,230+10.8%
76543Current$1,110—
76544$1,220+9.9%
76547$1,140+2.7%
76548$1,1100.0%
76549$1,250+12.6%

Questions about ZIP 76543 rents

How much will Section 8 pay for a two-bedroom in ZIP 76543?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,138, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,024 to $1,252 a month; under the ZIP-level Small Area FMR of $1,110 it would be $999 to $1,221. 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 76543 in?

ZIP 76543 is in the Killeen-Temple, TX HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,138.

How much did fair market rent change in ZIP 76543 for FY 2027?

The two-bedroom FMR fell 6.7%, from $1,190 in FY 2026 to $1,110 in FY 2027. Since FY 2023 it has risen 19.4%.

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