Jefferson County/Port Arthur/77640

77640

ZIPSAFMR

Jefferson County, TX

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ZIP Investment Score

121Above average

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$1,090	$1,060	5.1%
1 BR	$1,090	$1,030	3.6%
2 BR	$1,350	$1,160	4.3%
3 BR	$1,760	$1,310	4.3%
4 BR	$2,150	$1,700	9.0%
5 BR	$2,473	Not available	9.0%
6 BR	$2,843	Not available	9.0%
7 BR	$3,270	Not available	9.0%
8 BR	$3,760	Not available	9.0%

Purchase Price Calculator

Maximum purchase price

$110,459

Cost breakdown

+Likely effective rent$1,160

HUD FMR$1,350

Market rentUsed$1,160

Est. payment standard (91%)$1,230

-Principal and interest-$559

Loan amount$88,367

Down payment$22,092

Rate6.50%

Term30 years

-Operating costs-$401

Property taxes-$110

Insurance-$175

Utilities$0

HOA$0

Management-$116

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$18,859(85.4% ROI)

Projected value

$118,952

Return breakdown

Property appreciation+$8,493

Loan principal paid down+$3,166

Rental cash flow+$7,200

5-year hold

+$32,161(145.6% ROI)

Projected value

$124,974

Return breakdown

Property appreciation+$14,515

Loan principal paid down+$5,646

Rental cash flow+$12,000

10-year hold

+$68,391(309.6% ROI)

Projected value

$141,397

Return breakdown

Property appreciation+$30,938

Loan principal paid down+$13,453

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

1.03ratio

FMR$1,090

Market$1,060

vs market+$30

FMR is near market; voucher and private rents are aligned.

1.03

1 BR

1.06ratio

FMR$1,090

Market$1,030

vs market+$60

FMR is near market; voucher and private rents are aligned.

1.06

2 BR

1.16ratio

FMR$1,350

Market$1,160

vs market+$190

FMR is above market; underwrite to market rent.

1.16

3 BR

1.34ratio

FMR$1,760

Market$1,310

vs market+$450

FMR is above market; underwrite to market rent.

1.34

4 BR

1.26ratio

FMR$2,150

Market$1,700

vs market+$450

FMR is above market; underwrite to market rent.

1.26

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 77640 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 77640 (Port Arthur, TX) is $1,350 a month. That is up 12.5% from $1,200 in FY 2026. Port Arthur is in the Beaumont-Port Arthur, TX MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 24 ZIP codes in Jefferson County, 77640 is tied for the 5th-highest two-bedroom rent (county range $1,030–$1,540). The median county two-bedroom FMR in Texas is $1,105, so ZIP 77640 is 22% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 77640
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$970	$1,090	+12.4%	$981–$1,199
1BR	$980	$1,090	+11.2%	$981–$1,199
2BR	$1,200	$1,350	+12.5%	$1,215–$1,485
3BR	$1,570	$1,760	+12.1%	$1,584–$1,936
4BR	$1,880	$2,150	+14.4%	$1,935–$2,365

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 77640
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$1,090	$1,090	$1,350	$1,760	$2,150
FY 2026	$970	$980	$1,200	$1,570	$1,880
FY 2025	$990	$1,000	$1,210	$1,590	$1,820
FY 2024	$940	$980	$1,190	$1,550	$1,660
FY 2023	$820	$880	$1,060	$1,390	$1,450

Two-bedroom rent in nearby Jefferson County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 77640
77613	$1,100	−18.5%
77619	$1,410	+4.4%
77622	$1,170	−13.3%
77627	$1,490	+10.4%
77629	$1,180	−12.6%
77640Current	$1,350	—
77641	$1,240	−8.1%
77642	$1,150	−14.8%
77643	$1,240	−8.1%
77651	$1,210	−10.4%
77655	$1,350	0.0%
77665	$1,310	−3.0%

Questions about ZIP 77640 rents

How much will Section 8 pay for a two-bedroom in ZIP 77640?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,350, that basic range is $1,215 to $1,485 a month. 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 77640 in?

ZIP 77640 is in the Beaumont-Port Arthur, TX MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 77640 for FY 2027?

The two-bedroom FMR rose 12.5%, from $1,200 in FY 2026 to $1,350 in FY 2027. Since FY 2023 it has risen 27.4%.

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 rent Port Arthur, TX fair market rent TX statewide rents What is SAFMR?Data sources