AMHERST, MA
CityFMR
Hampshire County
Found 3 ZIPs
BRFMR
Eff. Rent
0 BR$1,382$1,520
1 BR$1,580$1,650 – $1,740
2 BR$2,004$2,080 – $2,160
3 BR$2,504$2,740 – $2,750
4 BR$2,702$2,970
5 BR$3,107
6 BR$3,573
7 BR$4,109
8 BR$4,726

Purchase Price Calculator

Maximum purchase price
$257,573

Cost breakdown

+Likely effective rent$2,150
HUD FMR$2,004
Market rent$2,230
Est. payment standard (107%)Used$2,150
Estimated payment standard is $2,150 (107% of FMR).
-Principal and interest-$1,302
Loan amount$206,058
Down payment$51,515
Rate6.50%
Term30 years
-Operating costs-$648
Property taxes-$258
Insurance-$175
Utilities$0
HOA$0
Management-$215
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,387(66.8% ROI)
Projected value
$277,378
Current value$257,573
Return breakdown
Property appreciation+$19,805
Loan principal paid down+$7,383
Rental cash flow+$7,200
5-year hold
+$59,012(114.6% ROI)
Projected value
$291,420
Current value$257,573
Return breakdown
Property appreciation+$33,847
Loan principal paid down+$13,165
Rental cash flow+$12,000
10-year hold
+$127,512(247.5% ROI)
Projected value
$329,715
Current value$257,573
Return breakdown
Property appreciation+$72,142
Loan principal paid down+$31,370
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- 1 ZIP
0.81ratio
FMR$1,382
Market$1,710
vs market-$328

FMR is below market; voucher rent may lag private rents.

90% standard$1,244 / 0.73 ratio110% standard$1,520 / 0.89 ratio
1
Studio- 2 ZIPs
0.82-0.83ratio range
Median FMR$1,382
Median Market$1,680
vs market-$298

FMR is below market; voucher rent may lag private rents.

90% standard$1,244 / 0.74 ratio110% standard$1,520 / 0.90 ratio
2
0.81-0.83
1 BR
1 BR- 1 ZIP
0.84ratio
FMR$1,580
Market$1,880
vs market-$300

FMR is below market; voucher rent may lag private rents.

90% standard$1,422 / 0.76 ratio110% standard$1,738 / 0.92 ratio
1
1 BR- 2 ZIPs
0.93ratio range
Median FMR$1,580
Median Market$1,695
vs market-$115

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

90% standard$1,422 / 0.84 ratio110% standard$1,738 / 1.03 ratio
2
0.84-0.93
2 BR
2 BR- 2 ZIPs
0.89-0.90ratio range
Median FMR$2,004
Median Market$2,235
vs market-$231

FMR is below market; voucher rent may lag private rents.

90% standard$1,804 / 0.81 ratio110% standard$2,204 / 0.99 ratio
2
2 BR- 1 ZIP
0.95ratio
FMR$2,004
Market$2,120
vs market-$116

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

90% standard$1,804 / 0.85 ratio110% standard$2,204 / 1.04 ratio
1
0.89-0.95
3 BR
3 BR- 3 ZIPs
0.86-0.88ratio range
Median FMR$2,504
Median Market$2,890
vs market-$386

FMR is below market; voucher rent may lag private rents.

90% standard$2,254 / 0.78 ratio110% standard$2,754 / 0.95 ratio
3
0.86-0.88
4 BR
4 BR- 3 ZIPs
0.73-0.77ratio range
Median FMR$2,702
Median Market$3,600
vs market-$898

FMR is below market; voucher rent may lag private rents.

90% standard$2,432 / 0.68 ratio110% standard$2,972 / 0.83 ratio
3
0.73-0.77
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 AMHERST, 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

AMHERST, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for AMHERST, MA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,004 and the 4 bedroom fair market rent is $2,702.

Use this page for searches like AMHERST, MA FMR, AMHERST, MA fair market rent, and AMHERST, 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 AMHERST, MA
Bedroom sizeHUD FMR
Studio$1,382
1 bedroom$1,580
2 bedroom$2,004
3 bedroom$2,504
4 bedroom$2,702