Location: Hamilton County, TX | Metro: Comanche 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 | $850 |
| 1 Bedroom | $920 |
| 2 Bedrooms | $1,210 |
| 3 Bedrooms | $1,660 |
| 4 Bedrooms | $1,820 |
| 5 Bedrooms | $2,111 |
| 6 Bedrooms | $2,364 |
| 7 Bedrooms | $2,553 |
| 8 Bedrooms | $2,681 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,210 | $213,499 | 0.57% | F |
| 3BR | $1,660 | $301,926 | 0.55% | F |
U.S. Census Bureau data (2024)
The rent math in ZIP 76446 (Dublin, TX, Hamilton County, TX metro) does not work favorably for landlords. The Fair Market Rent (FMR) set at $1,190 for the fiscal year 2026 is significantly higher than the current market rent of $765 based on Census ACS data. This discrepancy suggests that landlords might struggle to charge rents that align with government-set guidelines, potentially leading to lower revenue streams.
Acquisition in ZIP 76446 is relatively affordable. With a median home value of $291,002, purchasing properties here would be within reach for many investors. However, the lack of data on days on market (DOM) and the fact that only 0.1% of listings require a price cut indicate a stable market, but it may also suggest limited opportunities for finding undervalued properties.
Tenant demand in ZIP 76446 is moderate. The area has a total population of 8,131, with 15.8% of residents being renters. This means there are approximately 1,285 potential tenants, which is a reasonable number for landlords looking to fill units. However, the relatively low percentage of renters could indicate a preference for homeownership, potentially making it harder to find and retain tenants.
In conclusion, while ZIP 76446 offers an affordable entry point for property acquisition, the mismatch between market rent and FMR, combined with moderate tenant demand, presents challenges for landlords and small-portfolio investors. The primary concern lies in the ability to charge rents that meet the FMR without pricing out potential tenants. Given these factors, investment in this ZIP code should be approached with caution and thorough market analysis to ensure financial viability.
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.