78728
ZIPSAFMR
Travis County, TX
BRFMR
Eff. Rent
0 BR$1,410$1,050
1 BR$1,490$1,140
2 BR$1,770$1,910
3 BR$2,240$2,060
4 BR$2,640$2,320
5 BR$3,036
6 BR$3,491
7 BR$4,015
8 BR$4,617

Purchase Price Calculator

Maximum purchase price
$221,909

Cost breakdown

+Likely effective rent$1,910
HUD FMR$1,770
Market rent$1,980
Est. payment standard (108%)Used$1,910
Estimated payment standard is $1,910 (108% of FMR).
-Principal and interest-$1,122
Loan amount$177,527
Down payment$44,382
Rate6.50%
Term30 years
-Operating costs-$588
Property taxes-$222
Insurance-$175
Utilities$0
HOA$0
Management-$191
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,623(69.0% ROI)
Projected value
$238,971
Current value$221,909
Return breakdown
Property appreciation+$17,063
Loan principal paid down+$6,360
Rental cash flow+$7,200
5-year hold
+$52,503(118.3% ROI)
Projected value
$251,069
Current value$221,909
Return breakdown
Property appreciation+$29,161
Loan principal paid down+$11,342
Rental cash flow+$12,000
10-year hold
+$113,180(255.0% ROI)
Projected value
$284,062
Current value$221,909
Return breakdown
Property appreciation+$62,153
Loan principal paid down+$27,026
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
1.34ratio
FMR$1,410
Market$1,050
vs market+$360

FMR is above market; underwrite to market rent.

90% standard$1,269 / 1.21 ratio110% standard$1,551 / 1.48 ratio
1.34
1 BR
1 BR
1.31ratio
FMR$1,490
Market$1,140
vs market+$350

FMR is above market; underwrite to market rent.

90% standard$1,341 / 1.18 ratio110% standard$1,639 / 1.44 ratio
1.31
2 BR
2 BR
0.89ratio
FMR$1,770
Market$1,980
vs market-$210

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

90% standard$1,593 / 0.80 ratio110% standard$1,947 / 0.98 ratio
0.89
3 BR
3 BR
1.09ratio
FMR$2,240
Market$2,060
vs market+$180

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

90% standard$2,016 / 0.98 ratio110% standard$2,464 / 1.20 ratio
1.09
4 BR
4 BR
1.14ratio
FMR$2,640
Market$2,320
vs market+$320

FMR is above market; underwrite to market rent.

90% standard$2,376 / 1.02 ratio110% standard$2,904 / 1.25 ratio
1.14
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 78728 (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.

78728 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 78728 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,770 and the 4 bedroom fair market rent is $2,640.

Use this page for searches like 78728 FMR, 78728 fair market rent, and 78728 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 78728
Bedroom sizeHUD FMR
Studio$1,410
1 bedroom$1,490
2 bedroom$1,770
3 bedroom$2,240
4 bedroom$2,640