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Kerr County/Comfort/78013

78013

ZIPSAFMR
Kerr County, TX
Zillow

ZIP Investment Score

35Below average

095130300
BRFMR
Eff. Rent
0 BR$1,180$1,270
1 BR$1,180$1,300
2 BR$1,490$1,630
3 BR$1,960$1,900
4 BR$1,970$2,000
5 BR$2,266Not available
6 BR$2,605Not available
7 BR$2,996Not available
8 BR$3,446Not available

Purchase Price Calculator

Maximum purchase price
$180,301

Cost breakdown

+Likely effective rent$1,630
HUD FMR$1,490
Market rent$1,710
Est. payment standard (110%)Used$1,630
-Principal and interest-$912
Loan amount$144,241
Down payment$36,060
Rate6.50%
Term30 years
-Operating costs-$518
Property taxes-$180
Insurance-$175
Utilities$0
HOA$0
Management-$163
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,231(72.7% ROI)
Projected value
$194,164
Return breakdown
Property appreciation+$13,863
Loan principal paid down+$5,168
Rental cash flow+$7,200
5-year hold
+$44,909(124.5% ROI)
Projected value
$203,994
Return breakdown
Property appreciation+$23,693
Loan principal paid down+$9,216
Rental cash flow+$12,000
10-year hold
+$96,458(267.5% ROI)
Projected value
$230,800
Return breakdown
Property appreciation+$50,499
Loan principal paid down+$21,959
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.89
1 BR
0.81
2 BR
0.87
3 BR
1.03
4 BR
0.98
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 78013 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 78013 (Comfort, TX) is $1,490 a month. That is down 4.5% from $1,560 in FY 2026. Comfort is in the Kerr 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 $1,156. Among 13 ZIP codes in Kerr County, 78013 has the 3rd-highest two-bedroom rent (county range $1,010–$1,700). The median county two-bedroom FMR in Texas is $1,105, so ZIP 78013 is 35% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 78013
BedroomsFY 2027Change90–110% range
Studio$1,180+1.7%$1,062–$1,298
1BR$1,180−7.1%$1,062–$1,298
2BR$1,490−4.5%$1,341–$1,639
3BR$1,960−4.9%$1,764–$2,156
4BR$1,970−4.8%$1,773–$2,167

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 78013
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,180$1,180$1,490$1,960$1,970
FY 2026$1,160$1,270$1,560$2,060$2,070
FY 2025$1,110$1,230$1,510$1,990$2,250
FY 2024$910$1,100$1,360$1,650$2,070
FY 2023$820$980$1,230$1,520$1,920

Two-bedroom rent in nearby Kerr County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 78013
78003$1,190−20.1%
78010$1,170−21.5%
78013Current$1,490—
78024$1,140−23.5%
78025$1,080−27.5%
78028$1,160−22.1%
78029$1,160−22.1%
78055$1,220−18.1%
78058$1,300−12.8%
78063$1,270−14.8%
78624$1,600+7.4%
78631$1,700+14.1%

Questions about ZIP 78013 rents

How much will Section 8 pay for a two-bedroom in ZIP 78013?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,156, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,040 to $1,272 a month; under the ZIP-level Small Area FMR of $1,490 it would be $1,341 to $1,639. 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 78013 in?

ZIP 78013 is in the Kerr County, TX non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,156.

How much did fair market rent change in ZIP 78013 for FY 2027?

The two-bedroom FMR fell 4.5%, from $1,560 in FY 2026 to $1,490 in FY 2027. Since FY 2023 it has risen 21.1%.

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