GARDNER, MA
CityFMR
Worcester County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,206$1,330
1 BR$1,410$1,490
2 BR$1,749$1,760
3 BR$2,247$1,980
4 BR$2,637$2,280
5 BR$3,033
6 BR$3,487
7 BR$4,011
8 BR$4,612

Purchase Price Calculator

Maximum purchase price
$199,619

Cost breakdown

+Likely effective rent$1,760
HUD FMR$1,749
Market rent$1,770
Est. payment standard (101%)Used$1,760
Estimated payment standard is $1,760 (101% 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- 01440
0.86ratio
FMR$1,206
Market$1,410
vs market-$204

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

90% standard$1,085 / 0.77 ratio110% standard$1,327 / 0.94 ratio
0.86
1 BR
1 BR- 01440
0.92ratio
FMR$1,410
Market$1,530
vs market-$120

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

90% standard$1,269 / 0.83 ratio110% standard$1,551 / 1.01 ratio
0.92
2 BR
2 BR- 01440
0.99ratio
FMR$1,749
Market$1,770
vs market-$21

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

90% standard$1,574 / 0.89 ratio110% standard$1,924 / 1.09 ratio
0.99
3 BR
3 BR- 01440
1.13ratio
FMR$2,247
Market$1,980
vs market+$267

FMR is above market; underwrite to market rent.

90% standard$2,022 / 1.02 ratio110% standard$2,472 / 1.25 ratio
1.13
4 BR
4 BR- 01440
1.16ratio
FMR$2,637
Market$2,280
vs market+$357

FMR is above market; underwrite to market rent.

90% standard$2,373 / 1.04 ratio110% standard$2,901 / 1.27 ratio
1.16
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 GARDNER, 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

GARDNER, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for GARDNER, MA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,749 and the 4 bedroom fair market rent is $2,637.

Use this page for searches like GARDNER, MA FMR, GARDNER, MA fair market rent, and GARDNER, 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 GARDNER, MA
Bedroom sizeHUD FMR
Studio$1,206
1 bedroom$1,410
2 bedroom$1,749
3 bedroom$2,247
4 bedroom$2,637