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Fisher County/Mc Caulley/79534

79534

ZIPSAFMR
Fisher County, TX
Zillow

ZIP Investment Score

81Below average

095130300
BRFMR
Eff. Rent
0 BR$770$770
1 BR$830$830
2 BR$1,030$1,030
3 BR$1,300$1,300
4 BR$1,550$1,550
5 BR$1,782Not available
6 BR$2,050Not available
7 BR$2,357Not available
8 BR$2,711Not available

Purchase Price Calculator

Maximum purchase price
$91,141

Cost breakdown

+Likely effective rent$1,030
HUD FMRUsed$1,030
Market rentN/A
Est. payment standardN/A
-Principal and interest-$461
Loan amount$72,913
Down payment$18,228
Rate6.50%
Term30 years
-Operating costs-$369
Property taxes-$91
Insurance-$175
Utilities$0
HOA$0
Management-$103
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,820(92.3% ROI)
Projected value
$98,149
Return breakdown
Property appreciation+$7,008
Loan principal paid down+$2,612
Rental cash flow+$7,200
5-year hold
+$28,635(157.1% ROI)
Projected value
$103,118
Return breakdown
Property appreciation+$11,977
Loan principal paid down+$4,658
Rental cash flow+$12,000
10-year hold
+$60,627(332.6% ROI)
Projected value
$116,668
Return breakdown
Property appreciation+$25,527
Loan principal paid down+$11,100
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 79534 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 79534 (Mc Caulley, TX) is $1,030 a month. That is down 1.9% from $1,050 in FY 2026. Mc Caulley is in the Fisher County, TX non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,014. Among 9 ZIP codes in Fisher County, 79534 has the 8th-highest two-bedroom rent (county range $1,010–$1,270). The median county two-bedroom FMR in Texas is $1,105, so ZIP 79534 is 7% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 79534
BedroomsFY 2027Change90–110% range
Studio$770−7.2%$693–$847
1BR$8300.0%$747–$913
2BR$1,030−1.9%$927–$1,133
3BR$1,300−1.5%$1,170–$1,430
4BR$1,550−3.1%$1,395–$1,705

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 79534
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$770$830$1,030$1,300$1,550
FY 2026$830$830$1,050$1,320$1,600
FY 2025$770$780$1,000$1,290$1,540
FY 2024area FMR$684$689$905$1,189$1,345
FY 2023area FMR$623$628$826$1,083$1,215

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Fisher County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 79534
79520$1,150+11.7%
79526$1,160+12.6%
79534Current$1,030—
79543$1,040+1.0%
79545$1,270+23.3%
79546$1,010−1.9%
79556$1,090+5.8%
79560$1,150+11.7%
79561$1,150+11.7%

Questions about ZIP 79534 rents

How much will Section 8 pay for a two-bedroom in ZIP 79534?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,014, which applies unless the housing authority uses Small Area FMRs, that basic range is $913 to $1,115 a month; under the ZIP-level Small Area FMR of $1,030 it would be $927 to $1,133. 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 79534 in?

ZIP 79534 is in the Fisher County, TX non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,014.

How much did fair market rent change in ZIP 79534 for FY 2027?

The two-bedroom FMR fell 1.9%, from $1,050 in FY 2026 to $1,030 in FY 2027. Since FY 2025 it has risen 3.0%.

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 rentMc Caulley, TX fair market rentTX statewide rentsWhat is SAFMR?Data sources