77386
ZIPSAFMR
Montgomery County, TX
BRFMR
Eff. Rent
0 BR$1,760$1,530
1 BR$1,820$1,480
2 BR$2,160$1,840
3 BR$2,910$1,810
4 BR$3,620$2,550
5 BR$4,163
6 BR$4,787
7 BR$5,506
8 BR$6,331

Purchase Price Calculator

Maximum purchase price
$211,507

Cost breakdown

+Likely effective rent$1,840
HUD FMR$2,160
Market rentUsed$1,840
Est. payment standard (90%)$1,950
Market rent is below the inferred standard ($1,950, 90% of FMR).
-Principal and interest-$1,069
Loan amount$169,205
Down payment$42,301
Rate6.50%
Term30 years
-Operating costs-$571
Property taxes-$212
Insurance-$175
Utilities$0
HOA$0
Management-$184
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,525(69.8% ROI)
Projected value
$227,770
Current value$211,507
Return breakdown
Property appreciation+$16,263
Loan principal paid down+$6,062
Rental cash flow+$7,200
5-year hold
+$50,604(119.6% ROI)
Projected value
$239,300
Current value$211,507
Return breakdown
Property appreciation+$27,794
Loan principal paid down+$10,811
Rental cash flow+$12,000
10-year hold
+$108,999(257.7% ROI)
Projected value
$270,747
Current value$211,507
Return breakdown
Property appreciation+$59,240
Loan principal paid down+$25,760
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
1.15ratio
FMR$1,760
Market$1,530
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,584 / 1.04 ratio110% standard$1,936 / 1.27 ratio
1.15
1 BR
1 BR
1.23ratio
FMR$1,820
Market$1,480
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$1,638 / 1.11 ratio110% standard$2,002 / 1.35 ratio
1.23
2 BR
2 BR
1.17ratio
FMR$2,160
Market$1,840
vs market+$320

FMR is above market; underwrite to market rent.

90% standard$1,944 / 1.06 ratio110% standard$2,376 / 1.29 ratio
1.17
3 BR
3 BR
1.61ratio
FMR$2,910
Market$1,810
vs market+$1,100

FMR is above market; underwrite to market rent.

1.61
4 BR
4 BR
1.42ratio
FMR$3,620
Market$2,550
vs market+$1,070

FMR is above market; underwrite to market rent.

90% standard$3,258 / 1.28 ratio110% standard$3,982 / 1.56 ratio
1.42
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 77386 (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.

77386 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 77386 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,160 and the 4 bedroom fair market rent is $3,620.

Use this page for searches like 77386 FMR, 77386 fair market rent, and 77386 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 77386
Bedroom sizeHUD FMR
Studio$1,760
1 bedroom$1,820
2 bedroom$2,160
3 bedroom$2,910
4 bedroom$3,620