77643

ZIPSAFMR

Jefferson County, TX

ZIP Investment Score

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$1,000	$950	3.9%
1 BR	$1,000	$1,030	2.4%
2 BR	$1,240	$1,350	3.3%
3 BR	$1,620	$1,550	3.3%
4 BR	$1,980	$2,160	7.9%
5 BR	$2,277	Not available	7.9%
6 BR	$2,619	Not available	7.9%
7 BR	$3,011	Not available	7.9%
8 BR	$3,463	Not available	7.9%

Purchase Price Calculator

Maximum purchase price

$138,693

Cost breakdown

+Likely effective rent$1,350

HUD FMR$1,240

Market rent$1,410

Est. payment standard (109%)Used$1,350

-Principal and interest-$701

Loan amount$110,954

Down payment$27,739

Rate6.50%

Term30 years

-Operating costs-$449

Property taxes-$139

Insurance-$175

Utilities$0

HOA$0

Management-$135

=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

+$21,839(78.7% ROI)

Projected value

$149,357

Return breakdown

Property appreciation+$10,664

Loan principal paid down+$3,975

Rental cash flow+$7,200

5-year hold

+$37,314(134.5% ROI)

Projected value

$156,918

Return breakdown

Property appreciation+$18,225

Loan principal paid down+$7,089

Rental cash flow+$12,000

10-year hold

+$79,737(287.5% ROI)

Projected value

$177,539

Return breakdown

Property appreciation+$38,846

Loan principal paid down+$16,892

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

1.05ratio

FMR$1,000

Market$950

vs market+$50

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

1.05

1 BR

0.96ratio

FMR$1,000

Market$1,040

vs market-$40

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

0.96

2 BR

0.88ratio

FMR$1,240

Market$1,410

vs market-$170

FMR is below market; voucher rent may lag private rents.

0.88

3 BR

1.05ratio

FMR$1,620

Market$1,550

vs market+$70

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

1.05

4 BR

0.88ratio

FMR$1,980

Market$2,260

vs market-$280

FMR is below market; voucher rent may lag private rents.

0.88

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 77643 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 77643 (Port Arthur, TX) is $1,240 a month. That is up 10.7% from $1,120 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, 77643 is tied for the 9th-highest two-bedroom rent (county range $1,030–$1,540). The median county two-bedroom FMR in Texas is $1,105, so ZIP 77643 is 12% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 77643
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$910	$1,000	+9.9%	$900–$1,100
1BR	$910	$1,000	+9.9%	$900–$1,100
2BR	$1,120	$1,240	+10.7%	$1,116–$1,364
3BR	$1,470	$1,620	+10.2%	$1,458–$1,782
4BR	$1,760	$1,980	+12.5%	$1,782–$2,178

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 77643
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$1,000	$1,000	$1,240	$1,620	$1,980
FY 2026	$910	$910	$1,120	$1,470	$1,760
FY 2025	$930	$930	$1,130	$1,480	$1,700
FY 2024area FMR	$892	$932	$1,126	$1,470	$1,575
FY 2023area FMR	$792	$849	$1,027	$1,343	$1,402

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

Two-bedroom rent in nearby Jefferson County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 77643
77613	$1,100	−11.3%
77619	$1,410	+13.7%
77622	$1,170	−5.6%
77627	$1,490	+20.2%
77629	$1,180	−4.8%
77640	$1,350	+8.9%
77641	$1,240	0.0%
77642	$1,150	−7.3%
77643Current	$1,240	—
77651	$1,210	−2.4%
77655	$1,350	+8.9%
77665	$1,310	+5.6%

Questions about ZIP 77643 rents

How much will Section 8 pay for a two-bedroom in ZIP 77643?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,240, that basic range is $1,116 to $1,364 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 77643 in?

ZIP 77643 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 77643 for FY 2027?

The two-bedroom FMR rose 10.7%, from $1,120 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 rent Port Arthur, TX fair market rent TX statewide rents What is SAFMR?Data sources