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Duval County/San Diego/78384

78384

ZIPSAFMR
Duval County, TX
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$1,100$1,100
1 BR$1,150$1,150
2 BR$1,450$1,450
3 BR$1,880$1,880
4 BR$2,090$2,090
5 BR$2,404Not available
6 BR$2,764Not available
7 BR$3,179Not available
8 BR$3,655Not available

Purchase Price Calculator

Maximum purchase price
$153,553

Cost breakdown

+Likely effective rent$1,450
HUD FMRUsed$1,450
Market rentN/A
Est. payment standardN/A
-Principal and interest-$776
Loan amount$122,842
Down payment$30,711
Rate6.50%
Term30 years
-Operating costs-$474
Property taxes-$154
Insurance-$175
Utilities$0
HOA$0
Management-$145
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,408(76.2% ROI)
Projected value
$165,360
Return breakdown
Property appreciation+$11,807
Loan principal paid down+$4,401
Rental cash flow+$7,200
5-year hold
+$40,027(130.3% ROI)
Projected value
$173,731
Return breakdown
Property appreciation+$20,178
Loan principal paid down+$7,848
Rental cash flow+$12,000
10-year hold
+$85,709(279.1% ROI)
Projected value
$196,561
Return breakdown
Property appreciation+$43,008
Loan principal paid down+$18,701
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 78384 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 78384 (San Diego, TX) is $1,450 a month. That is up 20.8% from $1,200 in FY 2026. San Diego is in the Duval 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 $1,078. Among 6 ZIP codes in Duval County, 78384 is tied for the highest two-bedroom rent (county range $1,040–$1,450). The median county two-bedroom FMR in Texas is $1,105, so ZIP 78384 is 31% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 78384
BedroomsFY 2027Change90–110% range
Studio$1,100+18.3%$990–$1,210
1BR$1,150+21.1%$1,035–$1,265
2BR$1,450+20.8%$1,305–$1,595
3BR$1,880+19.7%$1,692–$2,068
4BR$2,090+18.1%$1,881–$2,299

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 78384
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,100$1,150$1,450$1,880$2,090
FY 2026$930$950$1,200$1,570$1,770
FY 2025$740$750$930$1,310$1,440
FY 2024area FMR$705$729$905$1,275$1,345
FY 2023area FMR$623$658$826$1,147$1,151

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

Two-bedroom rent in nearby Duval County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 78384
78332$1,040−28.3%
78341$1,090−24.8%
78349$1,040−28.3%
78357$1,4500.0%
78376$1,170−19.3%
78384Current$1,450—

Questions about ZIP 78384 rents

How much will Section 8 pay for a two-bedroom in ZIP 78384?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,078, which applies unless the housing authority uses Small Area FMRs, that basic range is $970 to $1,186 a month; under the ZIP-level Small Area FMR of $1,450 it would be $1,305 to $1,595. 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 78384 in?

ZIP 78384 is in the Duval County, TX non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,078.

How much did fair market rent change in ZIP 78384 for FY 2027?

The two-bedroom FMR rose 20.8%, from $1,200 in FY 2026 to $1,450 in FY 2027. Since FY 2025 it has risen 55.9%.

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