ADAMS, MA
CityFMR
Berkshire County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,245$1,260
1 BR$1,269$1,310
2 BR$1,626$1,590
3 BR$2,109$1,720
4 BR$2,577$1,690
5 BR$2,964
6 BR$3,408
7 BR$3,919
8 BR$4,507

Purchase Price Calculator

Maximum purchase price
$174,357

Cost breakdown

+Likely effective rent$1,590
HUD FMR$1,626
Market rentUsed$1,590
Est. payment standard (99%)$1,600
Market rent is below the inferred standard ($1,600, 99% of FMR).
-Principal and interest-$882
Loan amount$139,485
Down payment$34,871
Rate6.50%
Term30 years
-Operating costs-$508
Property taxes-$174
Insurance-$175
Utilities$0
HOA$0
Management-$159
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,604(73.4% ROI)
Projected value
$187,763
Current value$174,357
Return breakdown
Property appreciation+$13,406
Loan principal paid down+$4,997
Rental cash flow+$7,200
5-year hold
+$43,824(125.7% ROI)
Projected value
$197,269
Current value$174,357
Return breakdown
Property appreciation+$22,912
Loan principal paid down+$8,912
Rental cash flow+$12,000
10-year hold
+$94,070(269.8% ROI)
Projected value
$223,192
Current value$174,357
Return breakdown
Property appreciation+$48,835
Loan principal paid down+$21,235
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio- 01220
0.98ratio
FMR$1,245
Market$1,270
vs market-$25

FMR is near market; voucher and private rents are aligned.

90% standard$1,121 / 0.88 ratio110% standard$1,370 / 1.08 ratio
0.98
1 BR
1 BR- 01220
0.95ratio
FMR$1,269
Market$1,330
vs market-$61

FMR is near market; voucher and private rents are aligned.

90% standard$1,142 / 0.86 ratio110% standard$1,396 / 1.05 ratio
0.95
2 BR
2 BR- 01220
1.02ratio
FMR$1,626
Market$1,590
vs market+$36

FMR is near market; voucher and private rents are aligned.

90% standard$1,463 / 0.92 ratio110% standard$1,789 / 1.12 ratio
1.02
3 BR
3 BR- 01220
1.23ratio
FMR$2,109
Market$1,720
vs market+$389

FMR is above market; underwrite to market rent.

90% standard$1,898 / 1.10 ratio110% standard$2,320 / 1.35 ratio
1.23
4 BR
4 BR- 01220
1.52ratio
FMR$2,577
Market$1,690
vs market+$887

FMR is above market; underwrite to market rent.

90% standard$2,319 / 1.37 ratio110% standard$2,835 / 1.68 ratio
1.52
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for ADAMS, MA (MA) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled FMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

Related ZIPs

ADAMS, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for ADAMS, MA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,626 and the 4 bedroom fair market rent is $2,577.

Use this page for searches like ADAMS, MA FMR, ADAMS, MA fair market rent, and ADAMS, MA Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for ADAMS, MA
Bedroom sizeHUD FMR
Studio$1,245
1 bedroom$1,269
2 bedroom$1,626
3 bedroom$2,109
4 bedroom$2,577