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78568

ZIPFMR
Cameron County, TX
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$827$827
1 BR$884$884
2 BR$1,042$1,042
3 BR$1,393$1,393
4 BR$1,496$1,496
5 BR$1,720Not available
6 BR$1,978Not available
7 BR$2,275Not available
8 BR$2,617Not available

Purchase Price Calculator

Maximum purchase price
$92,924

Cost breakdown

+Likely effective rent$1,042
HUD FMRUsed$1,042
Market rentN/A
Est. payment standardN/A
-Principal and interest-$470
Loan amount$74,339
Down payment$18,585
Rate6.50%
Term30 years
-Operating costs-$372
Property taxes-$93
Insurance-$175
Utilities$0
HOA$0
Management-$104
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,008(91.5% ROI)
Projected value
$100,069
Return breakdown
Property appreciation+$7,145
Loan principal paid down+$2,663
Rental cash flow+$7,200
5-year hold
+$28,961(155.8% ROI)
Projected value
$105,135
Return breakdown
Property appreciation+$12,211
Loan principal paid down+$4,750
Rental cash flow+$12,000
10-year hold
+$61,344(330.1% ROI)
Projected value
$118,951
Return breakdown
Property appreciation+$26,027
Loan principal paid down+$11,317
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
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Mortgage rate
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ZIP 78568 fair market rent, FY 2027

For FY 2027, HUD's Fair Market Rent for a two-bedroom unit in ZIP 78568 (Lozano, TX) is $1,042 a month. That is down 0.5% from $1,047 in FY 2026. Lozano is in the Brownsville-Harlingen, TX MSA. The median county two-bedroom FMR in Texas is $1,105, so ZIP 78568 is 6% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 78568
BedroomsFY 2027Change90–110% range
Studio$827+7.0%$744–$910
1BR$884+2.1%$796–$972
2BR$1,042−0.5%$938–$1,146
3BR$1,393−1.5%$1,254–$1,532
4BR$1,496+1.1%$1,346–$1,646

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 78568
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$827$884$1,042$1,393$1,496
FY 2026$773$866$1,047$1,414$1,479
FY 2025$666$757$948$1,264$1,310
FY 2024$660$761$965$1,270$1,374
FY 2023$632$702$893$1,156$1,304

Questions about ZIP 78568 rents

How much will Section 8 pay for a two-bedroom in ZIP 78568?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,042, that basic range is $938 to $1,146 a month. 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 78568 in?

ZIP 78568 is in the Brownsville-Harlingen, TX MSA. Small Area FMRs are not mandatory in this area.

How much did fair market rent change in ZIP 78568 for FY 2027?

The two-bedroom FMR fell 0.5%, from $1,047 in FY 2026 to $1,042 in FY 2027. Since FY 2023 it has risen 16.7%.

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 Fair Market Rents. 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