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Ayer, MA

CitySAFMR
Middlesex County
Found 1 ZIP

City Median Investment Score

63Below average

095130300
BRFMR
Eff. Rent
0 BR$2,130$1,520
1 BR$2,230$1,960
2 BR$2,650$2,550
3 BR$3,180$3,090
4 BR$3,510$3,690
5 BR$4,036Not available
6 BR$4,642Not available
7 BR$5,338Not available
8 BR$6,139Not available

Purchase Price Calculator

Maximum purchase price
$317,012

Cost breakdown

+Likely effective rent$2,550
HUD FMR$2,650
Market rentUsed$2,550
Est. payment standard (98%)$2,590
-Principal and interest-$1,603
Loan amount$253,610
Down payment$63,402
Rate6.50%
Term30 years
-Operating costs-$747
Property taxes-$317
Insurance-$175
Utilities$0
HOA$0
Management-$255
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,662(64.1% ROI)
Projected value
$341,388
Return breakdown
Property appreciation+$24,375
Loan principal paid down+$9,086
Rental cash flow+$7,200
5-year hold
+$69,861(110.2% ROI)
Projected value
$358,671
Return breakdown
Property appreciation+$41,658
Loan principal paid down+$16,203
Rental cash flow+$12,000
10-year hold
+$151,400(238.8% ROI)
Projected value
$405,803
Return breakdown
Property appreciation+$88,790
Loan principal paid down+$38,609
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.40
1 BR
1.14
2 BR
1.04
3 BR
1.03
4 BR
0.93
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Ayer, MA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Ayer, MA is $2,650 a month. That is up 3.5% from $2,560 in FY 2026. Ayer is in the Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $3,008. The median county two-bedroom FMR in Massachusetts is $2,222, so Ayer is 19% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Ayer, MA
BedroomsFY 2027Change90–110% range
Studio$2,130+4.4%$1,917–$2,343
1BR$2,230+3.2%$2,007–$2,453
2BR$2,650+3.5%$2,385–$2,915
3BR$3,180+3.2%$2,862–$3,498
4BR$3,510+3.5%$3,159–$3,861

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Ayer, MA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,130$2,230$2,650$3,180$3,510
FY 2026$2,040$2,160$2,560$3,080$3,390
FY 2025$2,000$2,140$2,550$3,080$3,390
FY 2024$1,830$1,980$2,380$2,890$3,190
FY 2023$1,630$1,790$2,160$2,670$2,930

Questions about Ayer, MA rents

How much will Section 8 pay for a two-bedroom in Ayer, MA?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $3,008, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,707 to $3,309 a month; under the ZIP-level Small Area FMR of $2,650 it would be $2,385 to $2,915. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Ayer, MA in?

Ayer, MA is in the Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $3,008.

How much did fair market rent change in Ayer, MA for FY 2027?

The two-bedroom FMR rose 3.5%, from $2,560 in FY 2026 to $2,650 in FY 2027. Since FY 2023 it has risen 22.7%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set