79410
ZIPSAFMR
Lubbock County, TX
BRFMR
Eff. Rent
0 BR$970$850
1 BR$1,170$970
2 BR$1,390$1,120
3 BR$1,930$1,430
4 BR$2,290$2,020
5 BR$2,634
6 BR$3,029
7 BR$3,483
8 BR$4,005

Purchase Price Calculator

Maximum purchase price
$104,515

Cost breakdown

+Likely effective rent$1,120
HUD FMR$1,390
Market rentUsed$1,120
Est. payment standard (90%)$1,250
Market rent is below the inferred standard ($1,250, 90% of FMR).
-Principal and interest-$528
Loan amount$83,612
Down payment$20,903
Rate6.50%
Term30 years
-Operating costs-$392
Property taxes-$105
Insurance-$175
Utilities$0
HOA$0
Management-$112
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,232(87.2% ROI)
Projected value
$112,551
Current value$104,515
Return breakdown
Property appreciation+$8,036
Loan principal paid down+$2,996
Rental cash flow+$7,200
5-year hold
+$31,076(148.7% ROI)
Projected value
$118,249
Current value$104,515
Return breakdown
Property appreciation+$13,734
Loan principal paid down+$5,342
Rental cash flow+$12,000
10-year hold
+$66,002(315.8% ROI)
Projected value
$133,788
Current value$104,515
Return breakdown
Property appreciation+$29,273
Loan principal paid down+$12,729
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
1.14ratio
FMR$970
Market$850
vs market+$120

FMR is above market; underwrite to market rent.

90% standard$873 / 1.03 ratio110% standard$1,067 / 1.26 ratio
1.14
1 BR
1 BR
1.21ratio
FMR$1,170
Market$970
vs market+$200

FMR is above market; underwrite to market rent.

90% standard$1,053 / 1.09 ratio110% standard$1,287 / 1.33 ratio
1.21
2 BR
2 BR
1.24ratio
FMR$1,390
Market$1,120
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$1,251 / 1.12 ratio110% standard$1,529 / 1.37 ratio
1.24
3 BR
3 BR
1.35ratio
FMR$1,930
Market$1,430
vs market+$500

FMR is above market; underwrite to market rent.

90% standard$1,737 / 1.21 ratio110% standard$2,123 / 1.48 ratio
1.35
4 BR
4 BR
1.13ratio
FMR$2,290
Market$2,020
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$2,061 / 1.02 ratio110% standard$2,519 / 1.25 ratio
1.13
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across 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 79410 (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.

79410 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 79410 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,390 and the 4 bedroom fair market rent is $2,290.

Use this page for searches like 79410 FMR, 79410 fair market rent, and 79410 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 79410
Bedroom sizeHUD FMR
Studio$970
1 bedroom$1,170
2 bedroom$1,390
3 bedroom$1,930
4 bedroom$2,290