Location: Navarro County, TX | Metro: Navarro County, TX
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $820 |
| 1 Bedroom | $950 |
| 2 Bedrooms | $1,140 |
| 3 Bedrooms | $1,500 |
| 4 Bedrooms | $1,510 |
| 5 Bedrooms | $1,752 |
| 6 Bedrooms | $1,962 |
| 7 Bedrooms | $2,119 |
| 8 Bedrooms | $2,225 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,140 | $151,998 | 0.75% | D |
| 3BR | $1,500 | $224,874 | 0.67% | D |
| 4BR | $1,510 | $298,956 | 0.51% | F |
U.S. Census Bureau data (2024)
The real estate landscape in ZIP 75110 (Corsicana, TX) presents a nuanced scenario for both landlords and small-portfolio investors. The median home value stands at $193,012, indicating a relatively affordable market compared to many other areas. However, the fact that only 0.2% of listings have been reduced suggests a strong seller's market where there is little need to lower asking prices to attract buyers. This, coupled with a median Days on Market (DOM) of 53 days, implies that homes are selling relatively quickly, further reinforcing the idea that sellers have significant pricing power.
On the rental side, the Federal Market Rent (FMR) for the metro area in fiscal year 2026 is projected to be $1,050, while the current Zillow Observed Rental Index (ZORI) stands at $1,282. This discrepancy signals that landlords can maintain higher rents relative to government standards, which could be beneficial for cash flow in the short term. However, it also indicates potential pressure from the rental market if government subsidies or regulations change, leading to a possible alignment between market rents and FMRs in the future.
For long-term hold investors, the setup in Corsicana implies a cautious approach to appreciation expectations. While the quick sale times and minimal price reductions suggest stability, they do not necessarily indicate robust appreciation. Long-term appreciation typically requires sustained economic growth, population increase, or improvements in infrastructure, none of which are directly evident from the provided data. Therefore, the realistic appreciation thesis should be based on maintaining property values rather than expecting substantial increases. Investors should focus on steady rental income and property management efficiency to ensure profitability over the next 12-24 months.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.