77012
ZIPSAFMR
Harris County, TX
BRFMR
Eff. Rent
0 BR$870$960
1 BR$900$990
2 BR$1,070$1,180
3 BR$1,440$1,580
4 BR$1,790$1,930
5 BR$2,059
6 BR$2,367
7 BR$2,722
8 BR$3,131

Purchase Price Calculator

Maximum purchase price
$113,431

Cost breakdown

+Likely effective rent$1,180
HUD FMR$1,070
Market rent$1,540
Est. payment standard (110%)Used$1,180
Estimated payment standard is $1,180 (110% of FMR).
-Principal and interest-$574
Loan amount$90,745
Down payment$22,686
Rate6.50%
Term30 years
-Operating costs-$406
Property taxes-$113
Insurance-$175
Utilities$0
HOA$0
Management-$118
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,173(84.5% ROI)
Projected value
$122,153
Current value$113,431
Return breakdown
Property appreciation+$8,722
Loan principal paid down+$3,251
Rental cash flow+$7,200
5-year hold
+$32,703(144.2% ROI)
Projected value
$128,337
Current value$113,431
Return breakdown
Property appreciation+$14,906
Loan principal paid down+$5,798
Rental cash flow+$12,000
10-year hold
+$69,585(306.7% ROI)
Projected value
$145,201
Current value$113,431
Return breakdown
Property appreciation+$31,770
Loan principal paid down+$13,815
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
0.84ratio
FMR$870
Market$1,030
vs market-$160

FMR is below market; voucher rent may lag private rents.

90% standard$783 / 0.76 ratio110% standard$957 / 0.93 ratio
0.84
1 BR
1 BR
0.78ratio
FMR$900
Market$1,160
vs market-$260

FMR is below market; voucher rent may lag private rents.

90% standard$810 / 0.70 ratio110% standard$990 / 0.85 ratio
0.78
2 BR
2 BR
0.69ratio
FMR$1,070
Market$1,540
vs market-$470

FMR is below market; voucher rent may lag private rents.

90% standard$963 / 0.63 ratio110% standard$1,177 / 0.76 ratio
0.69
3 BR
3 BR
0.79ratio
FMR$1,440
Market$1,820
vs market-$380

FMR is below market; voucher rent may lag private rents.

90% standard$1,296 / 0.71 ratio110% standard$1,584 / 0.87 ratio
0.79
4 BR
4 BR
0.90ratio
FMR$1,790
Market$2,000
vs market-$210

FMR is below market; voucher rent may lag private rents.

90% standard$1,611 / 0.81 ratio110% standard$1,969 / 0.98 ratio
0.90
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for 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 77012 (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.

77012 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 77012 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,070 and the 4 bedroom fair market rent is $1,790.

Use this page for searches like 77012 FMR, 77012 fair market rent, and 77012 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 77012
Bedroom sizeHUD FMR
Studio$870
1 bedroom$900
2 bedroom$1,070
3 bedroom$1,440
4 bedroom$1,790