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Kerr County/Mountain Home/78058

78058

ZIPSAFMR
Kerr County, TX
Zillow

ZIP Investment Score

67Below average

095130300
BRFMR
Eff. Rent
0 BR$990$990
1 BR$990$990
2 BR$1,300$1,300
3 BR$1,630$1,630
4 BR$1,910$1,910
5 BR$2,197Not available
6 BR$2,526Not available
7 BR$2,905Not available
8 BR$3,341Not available

Purchase Price Calculator

Maximum purchase price
$131,263

Cost breakdown

+Likely effective rent$1,300
HUD FMRUsed$1,300
Market rentN/A
Est. payment standardN/A
-Principal and interest-$664
Loan amount$105,010
Down payment$26,253
Rate6.50%
Term30 years
-Operating costs-$436
Property taxes-$131
Insurance-$175
Utilities$0
HOA$0
Management-$130
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,055(80.2% ROI)
Projected value
$141,356
Return breakdown
Property appreciation+$10,093
Loan principal paid down+$3,762
Rental cash flow+$7,200
5-year hold
+$35,958(137.0% ROI)
Projected value
$148,512
Return breakdown
Property appreciation+$17,249
Loan principal paid down+$6,709
Rental cash flow+$12,000
10-year hold
+$76,751(292.4% ROI)
Projected value
$168,028
Return breakdown
Property appreciation+$36,765
Loan principal paid down+$15,987
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
--
Mortgage rate
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ZIP 78058 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 78058 (Mountain Home, TX) is $1,300 a month. That is up 13.0% from $1,150 in FY 2026. Mountain Home 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, 78058 has the 4th-highest two-bedroom rent (county range $1,010–$1,700). The median county two-bedroom FMR in Texas is $1,105, so ZIP 78058 is 18% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 78058
BedroomsFY 2027Change90–110% range
Studio$990+13.8%$891–$1,089
1BR$990+10.0%$891–$1,089
2BR$1,300+13.0%$1,170–$1,430
3BR$1,630+7.2%$1,467–$1,793
4BR$1,910+11.0%$1,719–$2,101

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 78058
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$990$990$1,300$1,630$1,910
FY 2026$870$900$1,150$1,520$1,720
FY 2025$870$870$1,150$1,610$1,700
FY 2024area FMR$902$942$1,158$1,548$1,880
FY 2023area FMR$777$848$1,031$1,367$1,579

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

Two-bedroom rent in nearby Kerr County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 78058
78003$1,190−8.5%
78010$1,170−10.0%
78013$1,490+14.6%
78024$1,140−12.3%
78025$1,080−16.9%
78028$1,160−10.8%
78029$1,160−10.8%
78055$1,220−6.2%
78058Current$1,300—
78063$1,270−2.3%
78624$1,600+23.1%
78631$1,700+30.8%

Questions about ZIP 78058 rents

How much will Section 8 pay for a two-bedroom in ZIP 78058?

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 $1,300 it would be $1,170 to $1,430. 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 78058 in?

ZIP 78058 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 78058 for FY 2027?

The two-bedroom FMR rose 13.0%, from $1,150 in FY 2026 to $1,300 in FY 2027. Since FY 2025 it has risen 13.0%.

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