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Chambers County/Baytown/77521

77521

ZIPSAFMR
Chambers County, TX
Zillow

ZIP Investment Score

98Above average

095130300
BRFMR
Eff. Rent
0 BR$1,210$1,330
1 BR$1,240$1,360
2 BR$1,470$1,620
3 BR$1,980$1,930
4 BR$2,460$2,260
5 BR$2,829Not available
6 BR$3,253Not available
7 BR$3,741Not available
8 BR$4,303Not available

Purchase Price Calculator

Maximum purchase price
$178,815

Cost breakdown

+Likely effective rent$1,620
HUD FMR$1,470
Market rent$1,900
Est. payment standard (110%)Used$1,620
-Principal and interest-$904
Loan amount$143,052
Down payment$35,763
Rate6.50%
Term30 years
-Operating costs-$516
Property taxes-$179
Insurance-$175
Utilities$0
HOA$0
Management-$162
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,074(72.9% ROI)
Projected value
$192,564
Return breakdown
Property appreciation+$13,749
Loan principal paid down+$5,125
Rental cash flow+$7,200
5-year hold
+$44,637(124.8% ROI)
Projected value
$202,313
Return breakdown
Property appreciation+$23,498
Loan principal paid down+$9,140
Rental cash flow+$12,000
10-year hold
+$95,861(268.0% ROI)
Projected value
$228,898
Return breakdown
Property appreciation+$50,083
Loan principal paid down+$21,778
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.63
1 BR
0.84
2 BR
0.77
3 BR
1.03
4 BR
1.09
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 77521 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 77521 (Baytown, TX) is $1,470 a month. That is down 4.5% from $1,540 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 10 ZIP codes in Chambers County, 77521 has the 4th-highest two-bedroom rent (county range $1,020–$1,630). The median county two-bedroom FMR in Texas is $1,105, so ZIP 77521 is 33% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 77521
BedroomsFY 2027Change90–110% range
Studio$1,210−3.2%$1,089–$1,331
1BR$1,240−3.9%$1,116–$1,364
2BR$1,470−4.5%$1,323–$1,617
3BR$1,980−4.3%$1,782–$2,178
4BR$2,460−4.7%$2,214–$2,706

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 77521
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,210$1,240$1,470$1,980$2,460
FY 2026$1,250$1,290$1,540$2,070$2,580
FY 2025$1,180$1,230$1,470$1,960$2,470
FY 2024$990$1,050$1,250$1,650$2,120
FY 2023$920$980$1,170$1,540$1,990

Two-bedroom rent in nearby Chambers County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 77521
77514$1,550+5.4%
77521Current$1,470—
77523$1,630+10.9%
77535$1,200−18.4%
77560$1,420−3.4%
77575$1,020−30.6%
77580$1,610+9.5%
77597$1,240−15.6%
77661$1,310−10.9%
77665$1,310−10.9%

Questions about ZIP 77521 rents

How much will Section 8 pay for a two-bedroom in ZIP 77521?

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 $1,470 it would be $1,323 to $1,617. 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 77521 in?

ZIP 77521 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 77521 for FY 2027?

The two-bedroom FMR fell 4.5%, from $1,540 in FY 2026 to $1,470 in FY 2027. Since FY 2023 it has risen 25.6%.

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