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Cotuit, MA

CitySAFMR
Barnstable County
Found 1 ZIP
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City Median Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$2,220$1,930
1 BR$2,230$2,000
2 BR$2,920$2,790
3 BR$3,660$3,400
4 BR$4,370$3,990
5 BR$5,026Not available
6 BR$5,779Not available
7 BR$6,646Not available
8 BR$7,643Not available

Purchase Price Calculator

Maximum purchase price
$352,676

Cost breakdown

+Likely effective rent$2,790
HUD FMR$2,920
Market rentUsed$2,790
Est. payment standard (97%)$2,840
-Principal and interest-$1,783
Loan amount$282,141
Down payment$70,535
Rate6.50%
Term30 years
-Operating costs-$807
Property taxes-$353
Insurance-$175
Utilities$0
HOA$0
Management-$279
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$44,426(63.0% ROI)
Projected value
$379,794
Return breakdown
Property appreciation+$27,118
Loan principal paid down+$10,108
Rental cash flow+$7,200
5-year hold
+$76,371(108.3% ROI)
Projected value
$399,021
Return breakdown
Property appreciation+$46,345
Loan principal paid down+$18,026
Rental cash flow+$12,000
10-year hold
+$165,732(235.0% ROI)
Projected value
$451,456
Return breakdown
Property appreciation+$98,779
Loan principal paid down+$42,953
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.15
1 BR
1.11
2 BR
1.05
3 BR
1.08
4 BR
1.10
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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Cotuit, MA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Cotuit, MA is $2,920 a month. That is up 6.2% from $2,750 in FY 2026. Cotuit is in the Barnstable Town, MA MSA. 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 $2,488. The median county two-bedroom FMR in Massachusetts is $2,222, so Cotuit is 31% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Cotuit, MA
BedroomsFY 2027Change90–110% range
Studio$2,220+6.7%$1,998–$2,442
1BR$2,230+6.2%$2,007–$2,453
2BR$2,920+6.2%$2,628–$3,212
3BR$3,660+8.0%$3,294–$4,026
4BR$4,370+12.3%$3,933–$4,807

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Cotuit, MA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,220$2,230$2,920$3,660$4,370
FY 2026$2,080$2,100$2,750$3,390$3,890
FY 2025$1,850$1,900$2,500$3,060$3,530
FY 2024$1,600$1,700$2,230$2,730$3,110
FY 2023$1,570$1,740$2,290$2,810$3,120

Questions about Cotuit, MA rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,488, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,239 to $2,737 a month; under the ZIP-level Small Area FMR of $2,920 it would be $2,628 to $3,212. 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 Cotuit, MA in?

Cotuit, MA is in the Barnstable Town, MA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,488.

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

The two-bedroom FMR rose 6.2%, from $2,750 in FY 2026 to $2,920 in FY 2027. Since FY 2023 it has risen 27.5%.

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