CAMBRIDGE, MA
CityFMR
Middlesex County
Found 6 ZIPs
BRFMR
Eff. Rent
0 BR$2,359$2,150 – $2,590
1 BR$2,476$2,720
2 BR$2,941$3,070 – $3,240
3 BR$3,526$2,480 – $3,880
4 BR$3,894$4,070 – $4,280
5 BR$4,478
6 BR$5,150
7 BR$5,922
8 BR$6,811

Purchase Price Calculator

Maximum purchase price
$419,546

Cost breakdown

+Likely effective rent$3,240
HUD FMR$2,941
Market rent$3,880
Est. payment standard (110%)Used$3,240
Estimated payment standard is $3,240 (110% of FMR).
-Principal and interest-$2,121
Loan amount$335,637
Down payment$83,909
Rate6.50%
Term30 years
-Operating costs-$919
Property taxes-$420
Insurance-$175
Utilities$0
HOA$0
Management-$324
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,484(61.4% ROI)
Projected value
$451,805
Current value$419,546
Return breakdown
Property appreciation+$32,259
Loan principal paid down+$12,025
Rental cash flow+$7,200
5-year hold
+$88,576(105.6% ROI)
Projected value
$474,678
Current value$419,546
Return breakdown
Property appreciation+$55,132
Loan principal paid down+$21,444
Rental cash flow+$12,000
10-year hold
+$192,605(229.5% ROI)
Projected value
$537,055
Current value$419,546
Return breakdown
Property appreciation+$117,508
Loan principal paid down+$51,097
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- 2 ZIPs
0.71ratio range
Median FMR$2,359
Median Market$3,315
vs market-$956

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

90% standard$2,123 / 0.64 ratio110% standard$2,595 / 0.78 ratio
2
Studio- 2 ZIPs
0.89-0.90ratio range
Median FMR$2,359
Median Market$2,640
vs market-$281

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

90% standard$2,123 / 0.80 ratio110% standard$2,595 / 0.98 ratio
2
Studio- 1 ZIP
1.01ratio
FMR$2,359
Market$2,340
vs market+$19

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

90% standard$2,123 / 0.91 ratio110% standard$2,595 / 1.11 ratio
1
Studio- 1 ZIP
1.10ratio
FMR$2,359
Market$2,150
vs market+$209

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

90% standard$2,123 / 0.99 ratio110% standard$2,595 / 1.21 ratio
1
0.71-1.10
1 BR
1 BR- 1 ZIP
0.60ratio
FMR$2,476
Market$4,160
vs market-$1,684

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

90% standard$2,228 / 0.54 ratio110% standard$2,724 / 0.65 ratio
1
1 BR- 1 ZIP
0.68ratio
FMR$2,476
Market$3,640
vs market-$1,164

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

90% standard$2,228 / 0.61 ratio110% standard$2,724 / 0.75 ratio
1
1 BR- 1 ZIP
0.74ratio
FMR$2,476
Market$3,330
vs market-$854

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

90% standard$2,228 / 0.67 ratio110% standard$2,724 / 0.82 ratio
1
1 BR- 2 ZIPs
0.85ratio range
Median FMR$2,476
Median Market$2,905
vs market-$429

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

90% standard$2,228 / 0.77 ratio110% standard$2,724 / 0.94 ratio
2
1 BR- 1 ZIP
0.87ratio
FMR$2,476
Market$2,850
vs market-$374

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

90% standard$2,228 / 0.78 ratio110% standard$2,724 / 0.96 ratio
1
0.60-0.87
2 BR
2 BR- 1 ZIP
0.57ratio
FMR$2,941
Market$5,190
vs market-$2,249

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

90% standard$2,647 / 0.51 ratio110% standard$3,235 / 0.62 ratio
1
2 BR- 1 ZIP
0.73ratio
FMR$2,941
Market$4,050
vs market-$1,109

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

90% standard$2,647 / 0.65 ratio110% standard$3,235 / 0.80 ratio
1
2 BR- 1 ZIP
0.74ratio
FMR$2,941
Market$3,950
vs market-$1,009

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

90% standard$2,647 / 0.67 ratio110% standard$3,235 / 0.82 ratio
1
2 BR- 1 ZIP
0.77ratio
FMR$2,941
Market$3,810
vs market-$869

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

90% standard$2,647 / 0.69 ratio110% standard$3,235 / 0.85 ratio
1
2 BR- 1 ZIP
0.89ratio
FMR$2,941
Market$3,290
vs market-$349

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

90% standard$2,647 / 0.80 ratio110% standard$3,235 / 0.98 ratio
1
2 BR- 1 ZIP
0.94ratio
FMR$2,941
Market$3,140
vs market-$199

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

90% standard$2,647 / 0.84 ratio110% standard$3,235 / 1.03 ratio
1
0.57-0.94
3 BR
3 BR- 1 ZIP
0.65ratio
FMR$3,526
Market$5,460
vs market-$1,934

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

90% standard$3,173 / 0.58 ratio110% standard$3,879 / 0.71 ratio
1
3 BR- 1 ZIP
0.70ratio
FMR$3,526
Market$5,050
vs market-$1,524

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

90% standard$3,173 / 0.63 ratio110% standard$3,879 / 0.77 ratio
1
3 BR- 1 ZIP
0.80ratio
FMR$3,526
Market$4,420
vs market-$894

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

90% standard$3,173 / 0.72 ratio110% standard$3,879 / 0.88 ratio
1
3 BR- 1 ZIP
0.81ratio
FMR$3,526
Market$4,330
vs market-$804

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

90% standard$3,173 / 0.73 ratio110% standard$3,879 / 0.90 ratio
1
3 BR- 1 ZIP
0.97ratio
FMR$3,526
Market$3,620
vs market-$94

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

90% standard$3,173 / 0.88 ratio110% standard$3,879 / 1.07 ratio
1
3 BR- 1 ZIP
1.42ratio
FMR$3,526
Market$2,480
vs market+$1,046

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.28 ratio110% standard$3,879 / 1.56 ratio
1
0.65-1.42
4 BR
4 BR- 1 ZIP
0.61ratio
FMR$3,894
Market$6,390
vs market-$2,496

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

90% standard$3,505 / 0.55 ratio110% standard$4,283 / 0.67 ratio
1
4 BR- 1 ZIP
0.66ratio
FMR$3,894
Market$5,890
vs market-$1,996

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

90% standard$3,505 / 0.60 ratio110% standard$4,283 / 0.73 ratio
1
4 BR- 1 ZIP
0.74ratio
FMR$3,894
Market$5,250
vs market-$1,356

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

90% standard$3,505 / 0.67 ratio110% standard$4,283 / 0.82 ratio
1
4 BR- 1 ZIP
0.78ratio
FMR$3,894
Market$5,010
vs market-$1,116

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

90% standard$3,505 / 0.70 ratio110% standard$4,283 / 0.85 ratio
1
4 BR- 1 ZIP
0.84ratio
FMR$3,894
Market$4,620
vs market-$726

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

90% standard$3,505 / 0.76 ratio110% standard$4,283 / 0.93 ratio
1
4 BR- 1 ZIP
0.94ratio
FMR$3,894
Market$4,160
vs market-$266

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

90% standard$3,505 / 0.84 ratio110% standard$4,283 / 1.03 ratio
1
0.61-0.94
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 CAMBRIDGE, 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.

CAMBRIDGE, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for CAMBRIDGE, MA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,941 and the 4 bedroom fair market rent is $3,894.

Use this page for searches like CAMBRIDGE, MA FMR, CAMBRIDGE, MA fair market rent, and CAMBRIDGE, 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 CAMBRIDGE, MA
Bedroom sizeHUD FMR
Studio$2,359
1 bedroom$2,476
2 bedroom$2,941
3 bedroom$3,526
4 bedroom$3,894