Guadalupe County/Staples/78670

78670

ZIPSAFMR

Guadalupe County, TX

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ZIP Investment Score

86Below average

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$1,200	$1,320	2.9%
1 BR	$1,300	$1,430	2.7%
2 BR	$1,570	$1,650	3.2%
3 BR	$2,030	$1,790	3.7%
4 BR	$2,360	$2,040	3.5%
5 BR	$2,714	Not available	3.5%
6 BR	$3,121	Not available	3.5%
7 BR	$3,589	Not available	3.5%
8 BR	$4,128	Not available	3.5%

Purchase Price Calculator

Maximum purchase price

$183,273

Cost breakdown

+Likely effective rent$1,650

HUD FMR$1,570

Market rent$1,700

Est. payment standard (105%)Used$1,650

-Principal and interest-$927

Loan amount$146,618

Down payment$36,655

Rate6.50%

Term30 years

-Operating costs-$523

Property taxes-$183

Insurance-$175

Utilities$0

HOA$0

Management-$165

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$26,545(72.4% ROI)

Projected value

$197,365

Return breakdown

Property appreciation+$14,092

Loan principal paid down+$5,253

Rental cash flow+$7,200

5-year hold

+$45,451(124.0% ROI)

Projected value

$207,356

Return breakdown

Property appreciation+$24,084

Loan principal paid down+$9,367

Rental cash flow+$12,000

10-year hold

+$97,653(266.4% ROI)

Projected value

$234,605

Return breakdown

Property appreciation+$51,332

Loan principal paid down+$22,321

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.80ratio

FMR$1,200

Market$1,500

vs market-$300

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

0.80

1 BR

0.81ratio

FMR$1,300

Market$1,610

vs market-$310

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

0.81

2 BR

0.92ratio

FMR$1,570

Market$1,700

vs market-$130

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

0.92

3 BR

1.13ratio

FMR$2,030

Market$1,790

vs market+$240

FMR is above market; underwrite to market rent.

1.13

4 BR

1.16ratio

FMR$2,360

Market$2,040

vs market+$320

FMR is above market; underwrite to market rent.

1.16

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 78670 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 78670 (Staples, TX) is $1,570 a month. That is down 6.0% from $1,670 in FY 2026. Staples is in the San Antonio-New Braunfels, TX HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 17 ZIP codes in Guadalupe County, 78670 has the 7th-highest two-bedroom rent (county range $1,020–$2,160). The median county two-bedroom FMR in Texas is $1,105, so ZIP 78670 is 42% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 78670
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$1,260	$1,200	−4.8%	$1,080–$1,320
1BR	$1,380	$1,300	−5.8%	$1,170–$1,430
2BR	$1,670	$1,570	−6.0%	$1,413–$1,727
3BR	$2,140	$2,030	−5.1%	$1,827–$2,233
4BR	$2,500	$2,360	−5.6%	$2,124–$2,596

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 78670
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$1,200	$1,300	$1,570	$2,030	$2,360
FY 2026	$1,260	$1,380	$1,670	$2,140	$2,500
FY 2025	$1,380	$1,520	$1,850	$2,350	$2,760
FY 2024	$1,100	$1,200	$1,430	$1,820	$2,130
FY 2023	$910	$1,030	$1,220	$1,560	$1,850

Two-bedroom rent in nearby Guadalupe County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 78670
78130	$1,680	+7.0%
78132	$1,720	+9.6%
78140	$1,020	−35.0%
78150	$1,430	−8.9%
78154	$1,830	+16.6%
78155	$1,260	−19.7%
78156	$1,580	+0.6%
78638	$1,290	−17.8%
78648	$1,160	−26.1%
78655	$1,170	−25.5%
78666	$1,410	−10.2%
78670Current	$1,570	—

Questions about ZIP 78670 rents

How much will Section 8 pay for a two-bedroom in ZIP 78670?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,570, that basic range is $1,413 to $1,727 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 78670 in?

ZIP 78670 is in the San Antonio-New Braunfels, TX HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 78670 for FY 2027?

The two-bedroom FMR fell 6.0%, from $1,670 in FY 2026 to $1,570 in FY 2027. Since FY 2023 it has risen 28.7%.

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 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 rent Staples, TX fair market rent TX statewide rents What is SAFMR?Data sources