78045
ZIPSAFMR
Webb County, TX
BRFMR
Eff. Rent
0 BR$1,280$1,410
1 BR$1,290$1,420
2 BR$1,560$1,590
3 BR$2,010$1,760
4 BR$2,080$1,980
5 BR$2,392
6 BR$2,751
7 BR$3,163
8 BR$3,638

Purchase Price Calculator

Maximum purchase price
$174,357

Cost breakdown

+Likely effective rent$1,590
HUD FMR$1,560
Market rent$1,600
Est. payment standard (102%)Used$1,590
Estimated payment standard is $1,590 (102% of FMR).
-Principal and interest-$882
Loan amount$139,485
Down payment$34,871
Rate6.50%
Term30 years
-Operating costs-$508
Property taxes-$174
Insurance-$175
Utilities$0
HOA$0
Management-$159
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,604(73.4% ROI)
Projected value
$187,763
Current value$174,357
Return breakdown
Property appreciation+$13,406
Loan principal paid down+$4,997
Rental cash flow+$7,200
5-year hold
+$43,824(125.7% ROI)
Projected value
$197,269
Current value$174,357
Return breakdown
Property appreciation+$22,912
Loan principal paid down+$8,912
Rental cash flow+$12,000
10-year hold
+$94,070(269.8% ROI)
Projected value
$223,192
Current value$174,357
Return breakdown
Property appreciation+$48,835
Loan principal paid down+$21,235
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.82ratio
FMR$1,280
Market$1,570
vs market-$290

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

90% standard$1,152 / 0.73 ratio110% standard$1,408 / 0.90 ratio
0.82
1 BR
1 BR
0.84ratio
FMR$1,290
Market$1,530
vs market-$240

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

90% standard$1,161 / 0.76 ratio110% standard$1,419 / 0.93 ratio
0.84
2 BR
2 BR
0.97ratio
FMR$1,560
Market$1,600
vs market-$40

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

90% standard$1,404 / 0.88 ratio110% standard$1,716 / 1.07 ratio
0.97
3 BR
3 BR
1.14ratio
FMR$2,010
Market$1,760
vs market+$250

FMR is above market; underwrite to market rent.

90% standard$1,809 / 1.03 ratio110% standard$2,211 / 1.26 ratio
1.14
4 BR
4 BR
1.05ratio
FMR$2,080
Market$1,980
vs market+$100

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

90% standard$1,872 / 0.95 ratio110% standard$2,288 / 1.16 ratio
1.05
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 78045 (TX) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

78045 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 78045 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,560 and the 4 bedroom fair market rent is $2,080.

Use this page for searches like 78045 FMR, 78045 fair market rent, and 78045 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 78045
Bedroom sizeHUD FMR
Studio$1,280
1 bedroom$1,290
2 bedroom$1,560
3 bedroom$2,010
4 bedroom$2,080