78676
ZIPSAFMR
Comal County, TX
BRFMR
Eff. Rent
0 BR$1,240$1,360
1 BR$1,310$1,440
2 BR$1,560$1,700
3 BR$1,980$2,180
4 BR$2,320$2,550
5 BR$2,668
6 BR$3,068
7 BR$3,528
8 BR$4,058

Purchase Price Calculator

Maximum purchase price
$190,703

Cost breakdown

+Likely effective rent$1,700
HUD FMR$1,560
Market rent$1,780
Est. payment standard (109%)Used$1,700
Estimated payment standard is $1,700 (109% of FMR).
-Principal and interest-$964
Loan amount$152,562
Down payment$38,141
Rate6.50%
Term30 years
-Operating costs-$536
Property taxes-$191
Insurance-$175
Utilities$0
HOA$0
Management-$170
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,329(71.7% ROI)
Projected value
$205,366
Current value$190,703
Return breakdown
Property appreciation+$14,663
Loan principal paid down+$5,466
Rental cash flow+$7,200
5-year hold
+$46,807(122.7% ROI)
Projected value
$215,763
Current value$190,703
Return breakdown
Property appreciation+$25,060
Loan principal paid down+$9,747
Rental cash flow+$12,000
10-year hold
+$100,639(263.9% ROI)
Projected value
$244,116
Current value$190,703
Return breakdown
Property appreciation+$53,413
Loan principal paid down+$23,226
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
0.73ratio
FMR$1,240
Market$1,700
vs market-$460

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

90% standard$1,116 / 0.66 ratio110% standard$1,364 / 0.80 ratio
0.73
1 BR
1 BR
0.79ratio
FMR$1,310
Market$1,660
vs market-$350

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

90% standard$1,179 / 0.71 ratio110% standard$1,441 / 0.87 ratio
0.79
2 BR
2 BR
0.88ratio
FMR$1,560
Market$1,780
vs market-$220

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

90% standard$1,404 / 0.79 ratio110% standard$1,716 / 0.96 ratio
0.88
3 BR
3 BR
0.75ratio
FMR$1,980
Market$2,630
vs market-$650

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

90% standard$1,782 / 0.68 ratio110% standard$2,178 / 0.83 ratio
0.75
4 BR
4 BR
0.81ratio
FMR$2,320
Market$2,870
vs market-$550

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

90% standard$2,088 / 0.73 ratio110% standard$2,552 / 0.89 ratio
0.81
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for 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 78676 (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.

78676 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 78676 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,560 and the 4 bedroom fair market rent is $2,320.

Use this page for searches like 78676 FMR, 78676 fair market rent, and 78676 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 78676
Bedroom sizeHUD FMR
Studio$1,240
1 bedroom$1,310
2 bedroom$1,560
3 bedroom$1,980
4 bedroom$2,320