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Matagorda County/Bay City/77414

77414

ZIPSAFMR
Matagorda County, TX
Zillow

ZIP Investment Score

81Below average

095130300
BRFMR
Eff. Rent
0 BR$1,030$1,030
1 BR$1,040$1,040
2 BR$1,240$1,240
3 BR$1,590$1,590
4 BR$1,990$1,990
5 BR$2,289Not available
6 BR$2,632Not available
7 BR$3,027Not available
8 BR$3,481Not available

Purchase Price Calculator

Maximum purchase price
$122,347

Cost breakdown

+Likely effective rent$1,240
HUD FMRUsed$1,240
Market rentN/A
Est. payment standardN/A
-Principal and interest-$619
Loan amount$97,878
Down payment$24,469
Rate6.50%
Term30 years
-Operating costs-$421
Property taxes-$122
Insurance-$175
Utilities$0
HOA$0
Management-$124
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,114(82.2% ROI)
Projected value
$131,754
Return breakdown
Property appreciation+$9,407
Loan principal paid down+$3,507
Rental cash flow+$7,200
5-year hold
+$34,331(140.3% ROI)
Projected value
$138,424
Return breakdown
Property appreciation+$16,077
Loan principal paid down+$6,253
Rental cash flow+$12,000
10-year hold
+$73,168(299.0% ROI)
Projected value
$156,615
Return breakdown
Property appreciation+$34,268
Loan principal paid down+$14,901
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
--
Mortgage rate
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ZIP 77414 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 77414 (Bay City, TX) is $1,240 a month. That is up 4.2% from $1,190 in FY 2026. Bay City is in the Matagorda County, TX non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,226. Among 16 ZIP codes in Matagorda County, 77414 is tied for the 2nd-highest two-bedroom rent (county range $1,100–$1,320). The median county two-bedroom FMR in Texas is $1,105, so ZIP 77414 is 12% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 77414
BedroomsFY 2027Change90–110% range
Studio$1,030+10.8%$927–$1,133
1BR$1,040+7.2%$936–$1,144
2BR$1,240+4.2%$1,116–$1,364
3BR$1,590+4.6%$1,431–$1,749
4BR$1,990+2.6%$1,791–$2,189

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 77414
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,030$1,040$1,240$1,590$1,990
FY 2026$930$970$1,190$1,520$1,940
FY 2025$890$890$1,130$1,410$1,860
FY 2024area FMR$868$874$1,148$1,484$1,948
FY 2023area FMR$760$765$1,007$1,328$1,715

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Matagorda County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 77414
77404$1,230−0.8%
77414Current$1,240—
77415$1,2400.0%
77419$1,130−8.9%
77420$1,120−9.7%
77428$1,100−11.3%
77437$1,150−7.3%
77440$1,150−7.3%
77456$1,230−0.8%
77457$1,2400.0%
77458$1,320+6.5%
77465$1,100−11.3%

Questions about ZIP 77414 rents

How much will Section 8 pay for a two-bedroom in ZIP 77414?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,226, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,103 to $1,349 a month; under the ZIP-level Small Area FMR of $1,240 it would be $1,116 to $1,364. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 77414 in?

ZIP 77414 is in the Matagorda County, TX non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,226.

How much did fair market rent change in ZIP 77414 for FY 2027?

The two-bedroom FMR rose 4.2%, from $1,190 in FY 2026 to $1,240 in FY 2027. Since FY 2025 it has risen 9.7%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentBay City, TX fair market rentTX statewide rentsWhat is SAFMR?Data sources