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Fisher County/Roscoe/79545

79545

ZIPSAFMR
Fisher County, TX
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$970$970
1 BR$980$980
2 BR$1,270$1,270
3 BR$1,760$1,760
4 BR$1,830$1,830
5 BR$2,105Not available
6 BR$2,420Not available
7 BR$2,783Not available
8 BR$3,201Not available

Purchase Price Calculator

Maximum purchase price
$126,805

Cost breakdown

+Likely effective rent$1,270
HUD FMRUsed$1,270
Market rentN/A
Est. payment standardN/A
-Principal and interest-$641
Loan amount$101,444
Down payment$25,361
Rate6.50%
Term30 years
-Operating costs-$429
Property taxes-$127
Insurance-$175
Utilities$0
HOA$0
Management-$127
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,585(81.2% ROI)
Projected value
$136,555
Return breakdown
Property appreciation+$9,750
Loan principal paid down+$3,634
Rental cash flow+$7,200
5-year hold
+$35,144(138.6% ROI)
Projected value
$143,468
Return breakdown
Property appreciation+$16,663
Loan principal paid down+$6,481
Rental cash flow+$12,000
10-year hold
+$74,960(295.6% ROI)
Projected value
$162,321
Return breakdown
Property appreciation+$35,516
Loan principal paid down+$15,444
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 79545 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 79545 (Roscoe, TX) is $1,270 a month. That is up 24.5% from $1,020 in FY 2026. Roscoe 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, 79545 has the highest two-bedroom rent (county range $1,010–$1,270). The median county two-bedroom FMR in Texas is $1,105, so ZIP 79545 is 15% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 79545
BedroomsFY 2027Change90–110% range
Studio$970+22.8%$873–$1,067
1BR$980+18.1%$882–$1,078
2BR$1,270+24.5%$1,143–$1,397
3BR$1,760+24.8%$1,584–$1,936
4BR$1,830+7.6%$1,647–$2,013

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 79545
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$970$980$1,270$1,760$1,830
FY 2026$790$830$1,020$1,410$1,700
FY 2025$730$780$930$1,310$1,570
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. 79545
79520$1,150−9.4%
79526$1,160−8.7%
79534$1,030−18.9%
79543$1,040−18.1%
79545Current$1,270—
79546$1,010−20.5%
79556$1,090−14.2%
79560$1,150−9.4%
79561$1,150−9.4%

Questions about ZIP 79545 rents

How much will Section 8 pay for a two-bedroom in ZIP 79545?

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 $1,270 it would be $1,143 to $1,397. 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 79545 in?

ZIP 79545 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 79545 for FY 2027?

The two-bedroom FMR rose 24.5%, from $1,020 in FY 2026 to $1,270 in FY 2027. Since FY 2025 it has risen 36.6%.

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