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Bedford, MA

CitySAFMR
Middlesex County
Found 1 ZIP

City Median Investment Score

51Below average

095130300
BRFMR
Eff. Rent
0 BR$2,790$2,530
1 BR$2,880$2,660
2 BR$3,440$3,470
3 BR$4,100$4,000
4 BR$4,520$4,960
5 BR$5,198Not available
6 BR$5,978Not available
7 BR$6,874Not available
8 BR$7,906Not available

Purchase Price Calculator

Maximum purchase price
$453,724

Cost breakdown

+Likely effective rent$3,470
HUD FMR$3,440
Market rent$3,490
Est. payment standard (101%)Used$3,470
-Principal and interest-$2,294
Loan amount$362,979
Down payment$90,745
Rate6.50%
Term30 years
-Operating costs-$976
Property taxes-$454
Insurance-$175
Utilities$0
HOA$0
Management-$347
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$55,092(60.7% ROI)
Projected value
$488,611
Return breakdown
Property appreciation+$34,887
Loan principal paid down+$13,005
Rental cash flow+$7,200
5-year hold
+$94,814(104.5% ROI)
Projected value
$513,347
Return breakdown
Property appreciation+$59,623
Loan principal paid down+$23,191
Rental cash flow+$12,000
10-year hold
+$206,341(227.4% ROI)
Projected value
$580,805
Return breakdown
Property appreciation+$127,081
Loan principal paid down+$55,260
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.10
1 BR
1.08
2 BR
0.99
3 BR
1.02
4 BR
0.87
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Bedford, MA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Bedford, MA is $3,440 a month. That is up 3.3% from $3,330 in FY 2026. Bedford 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 Bedford is 55% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Bedford, MA
BedroomsFY 2027Change90–110% range
Studio$2,790+4.5%$2,511–$3,069
1BR$2,880+2.9%$2,592–$3,168
2BR$3,440+3.3%$3,096–$3,784
3BR$4,100+2.8%$3,690–$4,510
4BR$4,520+2.5%$4,068–$4,972

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Bedford, MA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,790$2,880$3,440$4,100$4,520
FY 2026$2,670$2,800$3,330$3,990$4,410
FY 2025$2,580$2,730$3,230$3,890$4,280
FY 2024$2,520$2,710$3,220$3,890$4,290
FY 2023$2,340$2,540$3,040$3,700$4,080

Questions about Bedford, MA rents

How much will Section 8 pay for a two-bedroom in Bedford, 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 $3,440 it would be $3,096 to $3,784. 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 Bedford, MA in?

Bedford, 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 Bedford, MA for FY 2027?

The two-bedroom FMR rose 3.3%, from $3,330 in FY 2026 to $3,440 in FY 2027. Since FY 2023 it has risen 13.2%.

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