CHICOPEE, MA
CityFMR
Hampden County
Found 5 ZIPs
BRFMR
Eff. Rent
0 BR$1,219$1,260 – $1,290
1 BR$1,382$1,390 – $1,520
2 BR$1,734$1,670 – $1,810
3 BR$2,127$2,040 – $2,230
4 BR$2,296$2,170 – $2,330
5 BR$2,640
6 BR$3,036
7 BR$3,492
8 BR$4,016

Purchase Price Calculator

Maximum purchase price
$199,619

Cost breakdown

+Likely effective rent$1,760
HUD FMR$1,734
Market rent$1,780
Est. payment standard (102%)Used$1,760
Estimated payment standard is $1,760 (102% of FMR).
-Principal and interest-$1,009
Loan amount$159,695
Down payment$39,924
Rate6.50%
Term30 years
-Operating costs-$551
Property taxes-$200
Insurance-$175
Utilities$0
HOA$0
Management-$176
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,270(70.8% ROI)
Projected value
$214,968
Current value$199,619
Return breakdown
Property appreciation+$15,349
Loan principal paid down+$5,721
Rental cash flow+$7,200
5-year hold
+$48,434(121.3% ROI)
Projected value
$225,850
Current value$199,619
Return breakdown
Property appreciation+$26,232
Loan principal paid down+$10,203
Rental cash flow+$12,000
10-year hold
+$104,222(261.1% ROI)
Projected value
$255,529
Current value$199,619
Return breakdown
Property appreciation+$55,910
Loan principal paid down+$24,312
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
0.92-0.93ratio range
Median FMR$1,219
Median Market$1,320
vs market-$101

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

90% standard$1,097 / 0.83 ratio110% standard$1,341 / 1.02 ratio
2
Studio- 3 ZIPs
0.94-0.95ratio range
Median FMR$1,219
Median Market$1,280
vs market-$61

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

90% standard$1,097 / 0.86 ratio110% standard$1,341 / 1.05 ratio
3
0.92-0.95
1 BR
1 BR- 1 ZIP
0.86ratio
FMR$1,382
Market$1,600
vs market-$218

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

90% standard$1,244 / 0.78 ratio110% standard$1,520 / 0.95 ratio
1
1 BR- 2 ZIPs
0.90ratio range
Median FMR$1,382
Median Market$1,530
vs market-$148

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

90% standard$1,244 / 0.81 ratio110% standard$1,520 / 0.99 ratio
2
1 BR- 2 ZIPs
0.99ratio range
Median FMR$1,382
Median Market$1,390
vs market-$8

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

90% standard$1,244 / 0.89 ratio110% standard$1,520 / 1.09 ratio
2
0.86-0.99
2 BR
2 BR- 1 ZIP
0.94ratio
FMR$1,734
Market$1,850
vs market-$116

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

90% standard$1,561 / 0.84 ratio110% standard$1,907 / 1.03 ratio
1
2 BR- 2 ZIPs
0.97ratio range
Median FMR$1,734
Median Market$1,785
vs market-$51

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

90% standard$1,561 / 0.87 ratio110% standard$1,907 / 1.07 ratio
2
2 BR- 2 ZIPs
1.04ratio range
Median FMR$1,734
Median Market$1,670
vs market+$64

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

90% standard$1,561 / 0.93 ratio110% standard$1,907 / 1.14 ratio
2
0.94-1.04
3 BR
3 BR- 1 ZIP
0.93ratio
FMR$2,127
Market$2,290
vs market-$163

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

90% standard$1,914 / 0.84 ratio110% standard$2,340 / 1.02 ratio
1
3 BR- 1 ZIP
0.96ratio
FMR$2,127
Market$2,220
vs market-$93

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

90% standard$1,914 / 0.86 ratio110% standard$2,340 / 1.05 ratio
1
3 BR- 2 ZIPs
0.98ratio range
Median FMR$2,127
Median Market$2,160
vs market-$33

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

90% standard$1,914 / 0.89 ratio110% standard$2,340 / 1.08 ratio
2
3 BR- 1 ZIP
1.04ratio
FMR$2,127
Market$2,040
vs market+$87

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

90% standard$1,914 / 0.94 ratio110% standard$2,340 / 1.15 ratio
1
0.93-1.04
4 BR
4 BR- 1 ZIP
0.98ratio
FMR$2,296
Market$2,350
vs market-$54

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

90% standard$2,066 / 0.88 ratio110% standard$2,526 / 1.07 ratio
4 BR- 1 ZIP
0.98ratio
FMR$2,296
Market$2,340
vs market-$44

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

90% standard$2,066 / 0.88 ratio110% standard$2,526 / 1.08 ratio
4 BR- 3 ZIPs
1.04-1.06ratio range
Median FMR$2,296
Median Market$2,170
vs market+$126

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

90% standard$2,066 / 0.95 ratio110% standard$2,526 / 1.16 ratio
3
0.98-1.06
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 CHICOPEE, 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.

CHICOPEE, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for CHICOPEE, MA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,734 and the 4 bedroom fair market rent is $2,296.

Use this page for searches like CHICOPEE, MA FMR, CHICOPEE, MA fair market rent, and CHICOPEE, 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 CHICOPEE, MA
Bedroom sizeHUD FMR
Studio$1,219
1 bedroom$1,382
2 bedroom$1,734
3 bedroom$2,127
4 bedroom$2,296