77345
ZIPSAFMR
Harris County, TX
BRFMR
Eff. Rent
0 BR$1,880$1,440
1 BR$1,940$1,570
2 BR$2,310$1,880
3 BR$3,110$1,940
4 BR$3,880$2,170
5 BR$4,462
6 BR$5,131
7 BR$5,901
8 BR$6,786

Purchase Price Calculator

Maximum purchase price
$217,451

Cost breakdown

+Likely effective rent$1,880
HUD FMR$2,310
Market rentUsed$1,880
Est. payment standard (90%)$2,080
Market rent is below the inferred standard ($2,080, 90% of FMR).
-Principal and interest-$1,100
Loan amount$173,961
Down payment$43,490
Rate6.50%
Term30 years
-Operating costs-$580
Property taxes-$217
Insurance-$175
Utilities$0
HOA$0
Management-$188
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,153(69.3% ROI)
Projected value
$234,171
Current value$217,451
Return breakdown
Property appreciation+$16,720
Loan principal paid down+$6,233
Rental cash flow+$7,200
5-year hold
+$51,689(118.9% ROI)
Projected value
$246,026
Current value$217,451
Return breakdown
Property appreciation+$28,575
Loan principal paid down+$11,114
Rental cash flow+$12,000
10-year hold
+$111,388(256.1% ROI)
Projected value
$278,355
Current value$217,451
Return breakdown
Property appreciation+$60,905
Loan principal paid down+$26,484
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
1.31ratio
FMR$1,880
Market$1,440
vs market+$440

FMR is above market; underwrite to market rent.

90% standard$1,692 / 1.18 ratio110% standard$2,068 / 1.44 ratio
1.31
1 BR
1 BR
1.24ratio
FMR$1,940
Market$1,570
vs market+$370

FMR is above market; underwrite to market rent.

90% standard$1,746 / 1.11 ratio110% standard$2,134 / 1.36 ratio
1.24
2 BR
2 BR
1.23ratio
FMR$2,310
Market$1,880
vs market+$430

FMR is above market; underwrite to market rent.

90% standard$2,079 / 1.11 ratio110% standard$2,541 / 1.35 ratio
1.23
3 BR
3 BR
1.60ratio
FMR$3,110
Market$1,940
vs market+$1,170

FMR is above market; underwrite to market rent.

1.60
4 BR
4 BR
1.79ratio
FMR$3,880
Market$2,170
vs market+$1,710

FMR is above market; underwrite to market rent.

1.79
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 77345 (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.

77345 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 77345 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,310 and the 4 bedroom fair market rent is $3,880.

Use this page for searches like 77345 FMR, 77345 fair market rent, and 77345 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 77345
Bedroom sizeHUD FMR
Studio$1,880
1 bedroom$1,940
2 bedroom$2,310
3 bedroom$3,110
4 bedroom$3,880