CHELSEA, MA
CityFMR
Suffolk County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$2,359$1,910
1 BR$2,476$2,370
2 BR$2,941$2,660
3 BR$3,526$3,210
4 BR$3,894$3,850
5 BR$4,478
6 BR$5,150
7 BR$5,922
8 BR$6,811

Purchase Price Calculator

Maximum purchase price
$333,358

Cost breakdown

+Likely effective rent$2,660
HUD FMR$2,941
Market rentUsed$2,660
Est. payment standard (94%)$2,760
Market rent is below the inferred standard ($2,760, 94% of FMR).
-Principal and interest-$1,686
Loan amount$266,687
Down payment$66,672
Rate6.50%
Term30 years
-Operating costs-$774
Property taxes-$333
Insurance-$175
Utilities$0
HOA$0
Management-$266
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$42,387(63.6% ROI)
Projected value
$358,991
Current value$333,358
Return breakdown
Property appreciation+$25,632
Loan principal paid down+$9,555
Rental cash flow+$7,200
5-year hold
+$72,845(109.3% ROI)
Projected value
$377,164
Current value$333,358
Return breakdown
Property appreciation+$43,806
Loan principal paid down+$17,039
Rental cash flow+$12,000
10-year hold
+$157,969(236.9% ROI)
Projected value
$426,727
Current value$333,358
Return breakdown
Property appreciation+$93,369
Loan principal paid down+$40,600
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- 02150
1.24ratio
FMR$2,359
Market$1,910
vs market+$449

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.11 ratio110% standard$2,595 / 1.36 ratio
1.24
1 BR
1 BR- 02150
1.04ratio
FMR$2,476
Market$2,370
vs market+$106

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

90% standard$2,228 / 0.94 ratio110% standard$2,724 / 1.15 ratio
1.04
2 BR
2 BR- 02150
1.11ratio
FMR$2,941
Market$2,660
vs market+$281

FMR is above market; underwrite to market rent.

90% standard$2,647 / 1.00 ratio110% standard$3,235 / 1.22 ratio
1.11
3 BR
3 BR- 02150
1.10ratio
FMR$3,526
Market$3,210
vs market+$316

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

90% standard$3,173 / 0.99 ratio110% standard$3,879 / 1.21 ratio
1.10
4 BR
4 BR- 02150
1.01ratio
FMR$3,894
Market$3,850
vs market+$44

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

90% standard$3,505 / 0.91 ratio110% standard$4,283 / 1.11 ratio
1.01
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 CHELSEA, 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

CHELSEA, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for CHELSEA, 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 CHELSEA, MA FMR, CHELSEA, MA fair market rent, and CHELSEA, 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 CHELSEA, MA
Bedroom sizeHUD FMR
Studio$2,359
1 bedroom$2,476
2 bedroom$2,941
3 bedroom$3,526
4 bedroom$3,894