77044
ZIPSAFMR
Harris County, TX
BRFMR
Eff. Rent
0 BR$1,640$1,270
1 BR$1,690$1,350
2 BR$2,010$1,640
3 BR$2,700$1,980
4 BR$3,370$2,530
5 BR$3,875
6 BR$4,457
7 BR$5,125
8 BR$5,894

Purchase Price Calculator

Maximum purchase price
$181,787

Cost breakdown

+Likely effective rent$1,640
HUD FMR$2,010
Market rentUsed$1,640
Est. payment standard (90%)$1,810
Market rent is below the inferred standard ($1,810, 90% of FMR).
-Principal and interest-$919
Loan amount$145,429
Down payment$36,357
Rate6.50%
Term30 years
-Operating costs-$521
Property taxes-$182
Insurance-$175
Utilities$0
HOA$0
Management-$164
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,388(72.6% ROI)
Projected value
$195,765
Current value$181,787
Return breakdown
Property appreciation+$13,978
Loan principal paid down+$5,210
Rental cash flow+$7,200
5-year hold
+$45,180(124.3% ROI)
Projected value
$205,675
Current value$181,787
Return breakdown
Property appreciation+$23,888
Loan principal paid down+$9,292
Rental cash flow+$12,000
10-year hold
+$97,056(266.9% ROI)
Projected value
$232,703
Current value$181,787
Return breakdown
Property appreciation+$50,916
Loan principal paid down+$22,140
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
1.29ratio
FMR$1,640
Market$1,270
vs market+$370

FMR is above market; underwrite to market rent.

90% standard$1,476 / 1.16 ratio110% standard$1,804 / 1.42 ratio
1.29
1 BR
1 BR
1.25ratio
FMR$1,690
Market$1,350
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$1,521 / 1.13 ratio110% standard$1,859 / 1.38 ratio
1.25
2 BR
2 BR
1.23ratio
FMR$2,010
Market$1,640
vs market+$370

FMR is above market; underwrite to market rent.

90% standard$1,809 / 1.10 ratio110% standard$2,211 / 1.35 ratio
1.23
3 BR
3 BR
1.36ratio
FMR$2,700
Market$1,980
vs market+$720

FMR is above market; underwrite to market rent.

90% standard$2,430 / 1.23 ratio110% standard$2,970 / 1.50 ratio
1.36
4 BR
4 BR
1.33ratio
FMR$3,370
Market$2,530
vs market+$840

FMR is above market; underwrite to market rent.

90% standard$3,033 / 1.20 ratio110% standard$3,707 / 1.47 ratio
1.33
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 77044 (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.

77044 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 77044 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,010 and the 4 bedroom fair market rent is $3,370.

Use this page for searches like 77044 FMR, 77044 fair market rent, and 77044 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 77044
Bedroom sizeHUD FMR
Studio$1,640
1 bedroom$1,690
2 bedroom$2,010
3 bedroom$2,700
4 bedroom$3,370