79104
ZIPSAFMR
Potter County, TX
BRFMR
Eff. Rent
0 BR$740$680
1 BR$860$730
2 BR$1,050$1,060
3 BR$1,440$1,500
4 BR$1,670$1,390
5 BR$1,920
6 BR$2,209
7 BR$2,540
8 BR$2,921

Purchase Price Calculator

Maximum purchase price
$95,599

Cost breakdown

+Likely effective rent$1,060
HUD FMR$1,050
Market rent$1,070
Est. payment standard (101%)Used$1,060
Estimated payment standard is $1,060 (101% of FMR).
-Principal and interest-$483
Loan amount$76,479
Down payment$19,120
Rate6.50%
Term30 years
-Operating costs-$377
Property taxes-$96
Insurance-$175
Utilities$0
HOA$0
Management-$106
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,291(90.4% ROI)
Projected value
$102,950
Current value$95,599
Return breakdown
Property appreciation+$7,351
Loan principal paid down+$2,740
Rental cash flow+$7,200
5-year hold
+$29,449(154.0% ROI)
Projected value
$108,162
Current value$95,599
Return breakdown
Property appreciation+$12,563
Loan principal paid down+$4,886
Rental cash flow+$12,000
10-year hold
+$62,419(326.5% ROI)
Projected value
$122,375
Current value$95,599
Return breakdown
Property appreciation+$26,776
Loan principal paid down+$11,643
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
1.09ratio
FMR$740
Market$680
vs market+$60

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

90% standard$666 / 0.98 ratio110% standard$814 / 1.20 ratio
1.09
1 BR
1 BR
1.18ratio
FMR$860
Market$730
vs market+$130

FMR is above market; underwrite to market rent.

90% standard$774 / 1.06 ratio110% standard$946 / 1.30 ratio
1.18
2 BR
2 BR
0.98ratio
FMR$1,050
Market$1,070
vs market-$20

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

90% standard$945 / 0.88 ratio110% standard$1,155 / 1.08 ratio
0.98
3 BR
3 BR
0.94ratio
FMR$1,440
Market$1,530
vs market-$90

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

90% standard$1,296 / 0.85 ratio110% standard$1,584 / 1.04 ratio
0.94
4 BR
4 BR
1.20ratio
FMR$1,670
Market$1,390
vs market+$280

FMR is above market; underwrite to market rent.

90% standard$1,503 / 1.08 ratio110% standard$1,837 / 1.32 ratio
1.20
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 79104 (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.

79104 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 79104 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,050 and the 4 bedroom fair market rent is $1,670.

Use this page for searches like 79104 FMR, 79104 fair market rent, and 79104 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 79104
Bedroom sizeHUD FMR
Studio$740
1 bedroom$860
2 bedroom$1,050
3 bedroom$1,440
4 bedroom$1,670