Skip to main content
Loading page

Florence, MA

CitySAFMR
Hampshire County
Found 1 ZIP
Loading Investment Score

City Median Investment Score

-- 

095130300
BRFMR
Eff. Rent
0 BR$1,360$1,500
1 BR$1,530$1,680
2 BR$1,950$2,150
3 BR$2,550$2,580
4 BR$2,650$2,830
5 BR$3,047Not available
6 BR$3,505Not available
7 BR$4,030Not available
8 BR$4,635Not available

Purchase Price Calculator

Maximum purchase price
$257,573

Cost breakdown

+Likely effective rent$2,150
HUD FMR$1,950
Market rent$2,400
Est. payment standard (110%)Used$2,150
-Principal and interest-$1,302
Loan amount$206,058
Down payment$51,515
Rate6.50%
Term30 years
-Operating costs-$648
Property taxes-$258
Insurance-$175
Utilities$0
HOA$0
Management-$215
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,387(66.8% ROI)
Projected value
$277,378
Return breakdown
Property appreciation+$19,805
Loan principal paid down+$7,383
Rental cash flow+$7,200
5-year hold
+$59,012(114.6% ROI)
Projected value
$291,420
Return breakdown
Property appreciation+$33,847
Loan principal paid down+$13,165
Rental cash flow+$12,000
10-year hold
+$127,512(247.5% ROI)
Projected value
$329,715
Return breakdown
Property appreciation+$72,142
Loan principal paid down+$31,370
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Studio
0.68
1 BR
0.81
2 BR
0.81
3 BR
0.98
4 BR
0.91
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Florence, MA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Florence, MA is $1,950 a month. That is down 3.5% from $2,020 in FY 2026. Florence is in the Amherst Town-Northampton, 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 $2,034. The median county two-bedroom FMR in Massachusetts is $2,222, so Florence is 12% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Florence, MA
BedroomsFY 2027Change90–110% range
Studio$1,360−2.2%$1,224–$1,496
1BR$1,530−3.8%$1,377–$1,683
2BR$1,950−3.5%$1,755–$2,145
3BR$2,550+1.2%$2,295–$2,805
4BR$2,650−2.6%$2,385–$2,915

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Florence, MA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,360$1,530$1,950$2,550$2,650
FY 2026$1,390$1,590$2,020$2,520$2,720
FY 2025$1,100$1,260$1,570$1,910$2,140
FY 2024$980$1,170$1,440$1,750$2,050
FY 2023$840$1,020$1,260$1,540$1,850

Questions about Florence, MA rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,034, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,831 to $2,237 a month; under the ZIP-level Small Area FMR of $1,950 it would be $1,755 to $2,145. 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 Florence, MA in?

Florence, MA is in the Amherst Town-Northampton, MA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,034.

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

The two-bedroom FMR fell 3.5%, from $2,020 in FY 2026 to $1,950 in FY 2027. Since FY 2023 it has risen 54.8%.

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