MA/Essex County/HAVERHILL
HAVERHILL, MA
CityFMR
Essex County
Found 4 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$2,359▲$1,470 – $1,920
1 BR$2,476▲$2,080 – $2,290
2 BR$2,941▲$2,520 – $2,790
3 BR$3,526▲$2,590 – $2,740
4 BR$3,894▲$2,930 – $3,110
5 BR$4,478▲—
6 BR$5,150▲—
7 BR$5,922▲—
8 BR$6,811▲—

Purchase Price Calculator

Maximum purchase price
$342,274

Cost breakdown

+Likely effective rent$2,720
HUD FMR$2,941
Market rentUsed$2,715
Est. payment standard (95%)$2,790
Market rent is below the inferred standard ($2,790, 95% of FMR).
-Principal and interest-$1,731
Loan amount$273,820
Down payment$68,455
Rate6.50%
Term30 years
-Operating costs-$789
Property taxes-$342
Insurance-$175
Utilities$0
HOA$0
Management-$272
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,328(63.3% ROI)
Projected value
$368,592
Current value$342,274
Return breakdown
Property appreciation+$26,318
Loan principal paid down+$9,810
Rental cash flow+$7,200
5-year hold
+$74,472(108.8% ROI)
Projected value
$387,252
Current value$342,274
Return breakdown
Property appreciation+$44,978
Loan principal paid down+$17,494
Rental cash flow+$12,000
10-year hold
+$161,552(236.0% ROI)
Projected value
$438,140
Current value$342,274
Return breakdown
Property appreciation+$95,866
Loan principal paid down+$41,686
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
1.23-1.24ratio range
Median FMR$2,359
Median Market$1,910
vs market+$449

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.11 ratio110% standard$2,595 / 1.36 ratio
2
Studio- 1 ZIP
1.31ratio
FMR$2,359
Market$1,800
vs market+$559

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.18 ratio110% standard$2,595 / 1.44 ratio
1
Studio- 1 ZIP
1.60ratio
FMR$2,359
Market$1,470
vs market+$889

FMR is above market; underwrite to market rent.

1
1.23-1.60
1 BR
1 BR- 1 ZIP
1.08ratio
FMR$2,476
Market$2,290
vs market+$186

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

90% standard$2,228 / 0.97 ratio110% standard$2,724 / 1.19 ratio
1
1 BR- 2 ZIPs
1.12ratio range
Median FMR$2,476
Median Market$2,210
vs market+$266

FMR is above market; underwrite to market rent.

90% standard$2,228 / 1.01 ratio110% standard$2,724 / 1.23 ratio
2
1 BR- 1 ZIP
1.19ratio
FMR$2,476
Market$2,080
vs market+$396

FMR is above market; underwrite to market rent.

90% standard$2,228 / 1.07 ratio110% standard$2,724 / 1.31 ratio
1
1.08-1.19
2 BR
2 BR- 1 ZIP
1.05ratio
FMR$2,941
Market$2,790
vs market+$151

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

90% standard$2,647 / 0.95 ratio110% standard$3,235 / 1.16 ratio
1
2 BR- 2 ZIPs
1.08-1.09ratio range
Median FMR$2,941
Median Market$2,715
vs market+$226

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

90% standard$2,647 / 0.97 ratio110% standard$3,235 / 1.19 ratio
2
2 BR- 1 ZIP
1.17ratio
FMR$2,941
Market$2,520
vs market+$421

FMR is above market; underwrite to market rent.

90% standard$2,647 / 1.05 ratio110% standard$3,235 / 1.28 ratio
1
1.05-1.17
3 BR
3 BR- 1 ZIP
1.29ratio
FMR$3,526
Market$2,740
vs market+$786

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.16 ratio110% standard$3,879 / 1.42 ratio
1
3 BR- 2 ZIPs
1.32-1.34ratio range
Median FMR$3,526
Median Market$2,650
vs market+$876

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.20 ratio110% standard$3,879 / 1.46 ratio
2
3 BR- 1 ZIP
1.36ratio
FMR$3,526
Market$2,590
vs market+$936

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.23 ratio110% standard$3,879 / 1.50 ratio
1
1.29-1.36
4 BR
4 BR- 2 ZIPs
1.25-1.29ratio range
Median FMR$3,894
Median Market$3,070
vs market+$824

FMR is above market; underwrite to market rent.

90% standard$3,505 / 1.14 ratio110% standard$4,283 / 1.40 ratio
2
4 BR- 2 ZIPs
1.32-1.33ratio range
Median FMR$3,894
Median Market$2,940
vs market+$954

FMR is above market; underwrite to market rent.

90% standard$3,505 / 1.19 ratio110% standard$4,283 / 1.46 ratio
2
1.25-1.33
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 HAVERHILL, 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.

What is FMR?What is SAFMR?Data sourcesIncomplete geosView county page
Related ZIPs
01830018310183201835

HAVERHILL, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for HAVERHILL, MA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,941 and the 4 bedroom fair market rent is $3,894.

Use this page for searches like HAVERHILL, MA FMR, HAVERHILL, MA fair market rent, and HAVERHILL, 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 HAVERHILL, MA
Bedroom sizeHUD FMR
Studio$2,359
1 bedroom$2,476
2 bedroom$2,941
3 bedroom$3,526
4 bedroom$3,894
Essex County fair market rent01830 FMR01831 FMR01832 FMR01835 FMR