78643
ZIPSAFMR
Gillespie County, TX
BRFMR
Eff. Rent
0 BR$800$880
1 BR$800$880
2 BR$1,040$1,140
3 BR$1,450$1,450
4 BR$1,580$1,500
5 BR$1,817
6 BR$2,090
7 BR$2,403
8 BR$2,763

Purchase Price Calculator

Maximum purchase price
$107,487

Cost breakdown

+Likely effective rent$1,140
HUD FMR$1,040
Market rent$1,350
Est. payment standard (110%)Used$1,140
Estimated payment standard is $1,140 (110% of FMR).
-Principal and interest-$544
Loan amount$85,990
Down payment$21,497
Rate6.50%
Term30 years
-Operating costs-$396
Property taxes-$107
Insurance-$175
Utilities$0
HOA$0
Management-$114
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,546(86.3% ROI)
Projected value
$115,752
Current value$107,487
Return breakdown
Property appreciation+$8,265
Loan principal paid down+$3,081
Rental cash flow+$7,200
5-year hold
+$31,619(147.1% ROI)
Projected value
$121,612
Current value$107,487
Return breakdown
Property appreciation+$14,125
Loan principal paid down+$5,494
Rental cash flow+$12,000
10-year hold
+$67,196(312.6% ROI)
Projected value
$137,592
Current value$107,487
Return breakdown
Property appreciation+$30,105
Loan principal paid down+$13,091
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
0.76ratio
FMR$800
Market$1,050
vs market-$250

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

90% standard$720 / 0.69 ratio110% standard$880 / 0.84 ratio
0.76
1 BR
1 BR
0.66ratio
FMR$800
Market$1,210
vs market-$410

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

90% standard$720 / 0.60 ratio110% standard$880 / 0.73 ratio
0.66
2 BR
2 BR
0.77ratio
FMR$1,040
Market$1,350
vs market-$310

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

90% standard$936 / 0.69 ratio110% standard$1,144 / 0.85 ratio
0.77
3 BR
3 BR
1.00ratio
FMR$1,450
Market$1,450
vs market+$0

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

90% standard$1,305 / 0.90 ratio110% standard$1,595 / 1.10 ratio
1.00
4 BR
4 BR
1.05ratio
FMR$1,580
Market$1,500
vs market+$80

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

90% standard$1,422 / 0.95 ratio110% standard$1,738 / 1.16 ratio
1.05
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 78643 (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.

78643 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 78643 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,040 and the 4 bedroom fair market rent is $1,580.

Use this page for searches like 78643 FMR, 78643 fair market rent, and 78643 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 78643
Bedroom sizeHUD FMR
Studio$800
1 bedroom$800
2 bedroom$1,040
3 bedroom$1,450
4 bedroom$1,580