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Harris County/Baytown/77520

77520

ZIPSAFMR
Harris County, TX
Zillow

ZIP Investment Score

113Above average

095130300
BRFMR
Eff. Rent
0 BR$1,050$830
1 BR$1,070$1,080
2 BR$1,270$1,320
3 BR$1,710$1,710
4 BR$2,120$1,930
5 BR$2,438Not available
6 BR$2,804Not available
7 BR$3,224Not available
8 BR$3,708Not available

Purchase Price Calculator

Maximum purchase price
$134,235

Cost breakdown

+Likely effective rent$1,320
HUD FMR$1,270
Market rent$1,350
Est. payment standard (104%)Used$1,320
-Principal and interest-$679
Loan amount$107,388
Down payment$26,847
Rate6.50%
Term30 years
-Operating costs-$441
Property taxes-$134
Insurance-$175
Utilities$0
HOA$0
Management-$132
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,369(79.6% ROI)
Projected value
$144,556
Return breakdown
Property appreciation+$10,321
Loan principal paid down+$3,847
Rental cash flow+$7,200
5-year hold
+$36,501(136.0% ROI)
Projected value
$151,875
Return breakdown
Property appreciation+$17,640
Loan principal paid down+$6,861
Rental cash flow+$12,000
10-year hold
+$77,946(290.3% ROI)
Projected value
$171,832
Return breakdown
Property appreciation+$37,597
Loan principal paid down+$16,349
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.27
1 BR
0.99
2 BR
0.94
3 BR
1.00
4 BR
1.10
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 77520 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 77520 (Baytown, TX) is $1,270 a month. That is down 4.5% from $1,330 in FY 2026. Baytown is in the Houston-The Woodlands-Sugar Land, TX HUD Metro 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 metro-wide two-bedroom FMR of $1,497. Among 229 ZIP codes in Harris County, 77520 is tied for the 199th-highest two-bedroom rent (county range $1,020–$2,250). The median county two-bedroom FMR in Texas is $1,105, so ZIP 77520 is 15% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 77520
BedroomsFY 2027Change90–110% range
Studio$1,050−2.8%$945–$1,155
1BR$1,070−4.5%$963–$1,177
2BR$1,270−4.5%$1,143–$1,397
3BR$1,710−4.5%$1,539–$1,881
4BR$2,120−4.9%$1,908–$2,332

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 77520
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,050$1,070$1,270$1,710$2,120
FY 2026$1,080$1,120$1,330$1,790$2,230
FY 2025$1,030$1,070$1,280$1,710$2,150
FY 2024$900$950$1,140$1,510$1,930
FY 2023$870$930$1,110$1,460$1,890

Two-bedroom rent in nearby Harris County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 77520
77504$1,290+1.6%
77505$1,650+29.9%
77506$1,150−9.4%
77507$1,880+48.0%
77508$1,470+15.7%
77520Current$1,270—
77521$1,470+15.7%
77522$1,470+15.7%
77523$1,630+28.3%
77530$1,200−5.5%
77532$1,350+6.3%
77536$1,460+15.0%

Questions about ZIP 77520 rents

How much will Section 8 pay for a two-bedroom in ZIP 77520?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,497, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,347 to $1,647 a month; under the ZIP-level Small Area FMR of $1,270 it would be $1,143 to $1,397. 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 77520 in?

ZIP 77520 is in the Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,497.

How much did fair market rent change in ZIP 77520 for FY 2027?

The two-bedroom FMR fell 4.5%, from $1,330 in FY 2026 to $1,270 in FY 2027. Since FY 2023 it has risen 14.4%.

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 rentBaytown, TX fair market rentTX statewide rentsWhat is SAFMR?Data sources