LUDLOW, MA
CityFMR
Hampden County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,219$1,219
1 BR$1,382$1,382
2 BR$1,734$1,734
3 BR$2,127$2,127
4 BR$2,296$2,296
5 BR$2,640
6 BR$3,036
7 BR$3,492
8 BR$4,016

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio· 01056
0.88ratio
FMR$1,219
Market$1,380
vs market-$161

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.88
1 BR
1 BR· 01056
0.99ratio
FMR$1,382
Market$1,400
vs market-$18

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.99
2 BR
2 BR· 01056
0.95ratio
FMR$1,734
Market$1,820
vs market-$86

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.95
3 BR
3 BR· 01056
0.86ratio
FMR$2,127
Market$2,460
vs market-$333

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.86
4 BR
4 BR· 01056
0.81ratio
FMR$2,296
Market$2,840
vs market-$544

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.81
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$195,755
Rent
$1,734
Down payment
$39,151
Loan
$156,604
Mortgage
$990
Expenses
$544
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for LUDLOW, 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.

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