78239
ZIPSAFMR
Bexar County, TX
BRFMR
Eff. Rent
0 BR$1,130$890
1 BR$1,240$950
2 BR$1,500$1,310
3 BR$1,920$1,570
4 BR$2,240$1,940
5 BR$2,576
6 BR$2,962
7 BR$3,407
8 BR$3,918

Purchase Price Calculator

Maximum purchase price
$132,749

Cost breakdown

+Likely effective rent$1,310
HUD FMR$1,500
Market rentUsed$1,310
Est. payment standard (92%)$1,380
Market rent is below the inferred standard ($1,380, 92% of FMR).
-Principal and interest-$671
Loan amount$106,199
Down payment$26,550
Rate6.50%
Term30 years
-Operating costs-$439
Property taxes-$133
Insurance-$175
Utilities$0
HOA$0
Management-$131
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,212(79.9% ROI)
Projected value
$142,956
Current value$132,749
Return breakdown
Property appreciation+$10,207
Loan principal paid down+$3,805
Rental cash flow+$7,200
5-year hold
+$36,229(136.5% ROI)
Projected value
$150,193
Current value$132,749
Return breakdown
Property appreciation+$17,444
Loan principal paid down+$6,785
Rental cash flow+$12,000
10-year hold
+$77,349(291.3% ROI)
Projected value
$169,930
Current value$132,749
Return breakdown
Property appreciation+$37,181
Loan principal paid down+$16,168
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
1.27ratio
FMR$1,130
Market$890
vs market+$240

FMR is above market; underwrite to market rent.

90% standard$1,017 / 1.14 ratio110% standard$1,243 / 1.40 ratio
1.27
1 BR
1 BR
1.31ratio
FMR$1,240
Market$950
vs market+$290

FMR is above market; underwrite to market rent.

90% standard$1,116 / 1.17 ratio110% standard$1,364 / 1.44 ratio
1.31
2 BR
2 BR
1.15ratio
FMR$1,500
Market$1,310
vs market+$190

FMR is above market; underwrite to market rent.

90% standard$1,350 / 1.03 ratio110% standard$1,650 / 1.26 ratio
1.15
3 BR
3 BR
1.22ratio
FMR$1,920
Market$1,570
vs market+$350

FMR is above market; underwrite to market rent.

90% standard$1,728 / 1.10 ratio110% standard$2,112 / 1.35 ratio
1.22
4 BR
4 BR
1.15ratio
FMR$2,240
Market$1,940
vs market+$300

FMR is above market; underwrite to market rent.

90% standard$2,016 / 1.04 ratio110% standard$2,464 / 1.27 ratio
1.15
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom sizes.

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 78239 (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.

78239 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 78239 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,500 and the 4 bedroom fair market rent is $2,240.

Use this page for searches like 78239 FMR, 78239 fair market rent, and 78239 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 78239
Bedroom sizeHUD FMR
Studio$1,130
1 bedroom$1,240
2 bedroom$1,500
3 bedroom$1,920
4 bedroom$2,240