77049
ZIPSAFMR
Harris County, TX
BRFMR
Eff. Rent
0 BR$1,370$1,230
1 BR$1,420$1,370
2 BR$1,690$1,600
3 BR$2,270$1,810
4 BR$2,840$2,210
5 BR$3,266
6 BR$3,756
7 BR$4,319
8 BR$4,967

Purchase Price Calculator

Maximum purchase price
$175,843

Cost breakdown

+Likely effective rent$1,600
HUD FMR$1,690
Market rentUsed$1,600
Est. payment standard (97%)$1,630
Market rent is below the inferred standard ($1,630, 97% of FMR).
-Principal and interest-$889
Loan amount$140,674
Down payment$35,169
Rate6.50%
Term30 years
-Operating costs-$511
Property taxes-$176
Insurance-$175
Utilities$0
HOA$0
Management-$160
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,761(73.2% ROI)
Projected value
$189,364
Current value$175,843
Return breakdown
Property appreciation+$13,521
Loan principal paid down+$5,040
Rental cash flow+$7,200
5-year hold
+$44,095(125.4% ROI)
Projected value
$198,950
Current value$175,843
Return breakdown
Property appreciation+$23,107
Loan principal paid down+$8,988
Rental cash flow+$12,000
10-year hold
+$94,667(269.2% ROI)
Projected value
$225,094
Current value$175,843
Return breakdown
Property appreciation+$49,251
Loan principal paid down+$21,416
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
1.11ratio
FMR$1,370
Market$1,230
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$1,233 / 1.00 ratio110% standard$1,507 / 1.23 ratio
1.11
1 BR
1 BR
1.04ratio
FMR$1,420
Market$1,370
vs market+$50

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

90% standard$1,278 / 0.93 ratio110% standard$1,562 / 1.14 ratio
1.04
2 BR
2 BR
1.06ratio
FMR$1,690
Market$1,600
vs market+$90

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

90% standard$1,521 / 0.95 ratio110% standard$1,859 / 1.16 ratio
1.06
3 BR
3 BR
1.25ratio
FMR$2,270
Market$1,810
vs market+$460

FMR is above market; underwrite to market rent.

90% standard$2,043 / 1.13 ratio110% standard$2,497 / 1.38 ratio
1.25
4 BR
4 BR
1.29ratio
FMR$2,840
Market$2,210
vs market+$630

FMR is above market; underwrite to market rent.

90% standard$2,556 / 1.16 ratio110% standard$3,124 / 1.41 ratio
1.29
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 77049 (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.

77049 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 77049 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,690 and the 4 bedroom fair market rent is $2,840.

Use this page for searches like 77049 FMR, 77049 fair market rent, and 77049 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 77049
Bedroom sizeHUD FMR
Studio$1,370
1 bedroom$1,420
2 bedroom$1,690
3 bedroom$2,270
4 bedroom$2,840