FMR is below market; voucher rent may lag private rents.
0.84
1 BR
1 BR- 01440
0.92ratio
FMR$1,400
Market$1,530
vs market-$130
FMR is near market; voucher and private rents are aligned.
0.92
2 BR
2 BR- 01440
0.95ratio
FMR$1,690
Market$1,770
vs market-$80
FMR is near market; voucher and private rents are aligned.
0.95
3 BR
3 BR- 01440
1.09ratio
FMR$2,150
Market$1,980
vs market+$170
FMR is near market; voucher and private rents are aligned.
1.09
4 BR
4 BR- 01440
1.11ratio
FMR$2,520
Market$2,280
vs market+$240
FMR is above market; underwrite to market rent.
1.11
0.700.800.901.001.101.201.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--
Gardner, MA fair market rent, FY 2027
For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Gardner, MA is $1,690 a month. That is up 8.3% from $1,560 in FY 2026. Gardner is in the Fitchburg-Leominster, MA HUD Metro FMR Area. 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 $1,900. The median county two-bedroom FMR in Massachusetts is $2,222, so Gardner is 24% below it.
FY 2027 rent by bedroom
FY 2027 fair market rent by bedroom for Gardner, MA
Bedrooms
FY 2026
FY 2027
Change
90–110% range
Studio
$1,080
$1,180
+9.3%
$1,062–$1,298
1BR
$1,260
$1,400
+11.1%
$1,260–$1,540
2BR
$1,560
$1,690
+8.3%
$1,521–$1,859
3BR
$2,000
$2,150
+7.5%
$1,935–$2,365
4BR
$2,350
$2,520
+7.2%
$2,268–$2,772
Fair market rent history, FY 2023–2027
Fair market rent by fiscal year for Gardner, MA
Fiscal year
Studio
1BR
2BR
3BR
4BR
FY 2027
$1,180
$1,400
$1,690
$2,150
$2,520
FY 2026
$1,080
$1,260
$1,560
$2,000
$2,350
FY 2025
$1,010
$1,180
$1,470
$1,920
$2,190
FY 2024
$950
$1,100
$1,400
$1,820
$2,100
FY 2023
$900
$960
$1,240
$1,600
$1,860
Questions about Gardner, MA rents
How much will Section 8 pay for a two-bedroom in Gardner, MA?
Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,900, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,710 to $2,090 a month; under the ZIP-level Small Area FMR of $1,690 it would be $1,521 to $1,859. 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 Gardner, MA in?
Gardner, MA is in the Fitchburg-Leominster, MA HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,900.
How much did fair market rent change in Gardner, MA for FY 2027?
The two-bedroom FMR rose 8.3%, from $1,560 in FY 2026 to $1,690 in FY 2027. Since FY 2023 it has risen 36.3%.
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