Location: Walker County, TX | Metro: San Jacinto County, TX HUD Metro FMR Area
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 | $850 |
| 1 Bedroom | $990 |
| 2 Bedrooms | $1,090 |
| 3 Bedrooms | $1,450 |
| 4 Bedrooms | $1,740 |
| 5 Bedrooms | $2,018 |
| 6 Bedrooms | $2,260 |
| 7 Bedrooms | $2,441 |
| 8 Bedrooms | $2,563 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,090 | $123,286 | 0.88% | C |
| 3BR | $1,450 | $195,847 | 0.74% | D |
| 4BR | $1,740 | $276,040 | 0.63% | D |
U.S. Census Bureau data (2024)
A skeptical investor might question whether the Fair Market Rent (FMR) of $1,010 in ZIP 75862 (Trinity, TX) can sufficiently cover the mortgage on a home valued at $166,262. According to recent data, the average mortgage payment for a home of this value could range widely depending on factors such as the interest rate and the length of the loan term. However, using typical parameters, the monthly mortgage payment would likely be less than the FMR, providing a buffer for maintenance and other costs.
The investor may also wonder if the rental market is robust enough given that only 23.0% of residents are renters. While this percentage suggests a smaller pool of potential tenants, it does not necessarily indicate a lack of demand. Trinity, TX, has seen moderate growth in the real estate market, making it an appealing location for individuals seeking a quieter lifestyle. The average rent for a two-bedroom home is approximately $1,682, which is higher than the FMR, indicating a willingness among residents to pay more for quality housing.
A final concern could be whether Housing Choice Vouchers will keep pace with the market rents of $877. The voucher program aims to provide affordable housing assistance, but it often lags behind market rates. Current data does not definitively show if the voucher amounts will match the increasing market rents. However, the trend towards higher average rents suggests that landlords should monitor local voucher adjustments closely to ensure they remain competitive and viable in the rental market.
In summary, while the data provides insights into the real estate and rental market dynamics of ZIP 75862, it does not fully resolve every investor's concern. Nonetheless, the numbers suggest a reasonable balance between mortgage coverage and rental demand, with the caveat that voucher adjustments need careful attention.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). 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.