LYNN, MA
CityFMR
Essex County
Found 6 ZIPs
BRFMR
Eff. Rent
0 BR$2,359$1,870 – $2,370
1 BR$2,476$1,990 – $2,520
2 BR$2,941$2,540 – $3,240
3 BR$3,526$2,980 – $3,600
4 BR$3,894$2,270 – $4,190
5 BR$4,478
6 BR$5,150
7 BR$5,922
8 BR$6,811

Purchase Price Calculator

Maximum purchase price
$360,106

Cost breakdown

+Likely effective rent$2,840
HUD FMR$2,941
Market rentUsed$2,835
Est. payment standard (98%)$2,870
Market rent is below the inferred standard ($2,870, 98% of FMR).
-Principal and interest-$1,821
Loan amount$288,085
Down payment$72,021
Rate6.50%
Term30 years
-Operating costs-$819
Property taxes-$360
Insurance-$175
Utilities$0
HOA$0
Management-$284
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,210(62.8% ROI)
Projected value
$387,795
Current value$360,106
Return breakdown
Property appreciation+$27,689
Loan principal paid down+$10,321
Rental cash flow+$7,200
5-year hold
+$77,727(107.9% ROI)
Projected value
$407,427
Current value$360,106
Return breakdown
Property appreciation+$47,321
Loan principal paid down+$18,406
Rental cash flow+$12,000
10-year hold
+$168,718(234.3% ROI)
Projected value
$460,967
Current value$360,106
Return breakdown
Property appreciation+$100,860
Loan principal paid down+$43,858
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- 1 ZIP
1.00ratio
FMR$2,359
Market$2,370
vs market-$11

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

90% standard$2,123 / 0.90 ratio110% standard$2,595 / 1.09 ratio
1
Studio- 1 ZIP
1.04ratio
FMR$2,359
Market$2,270
vs market+$89

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

90% standard$2,123 / 0.94 ratio110% standard$2,595 / 1.14 ratio
1
Studio- 1 ZIP
1.16ratio
FMR$2,359
Market$2,030
vs market+$329

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.05 ratio110% standard$2,595 / 1.28 ratio
1
Studio- 2 ZIPs
1.22-1.23ratio range
Median FMR$2,359
Median Market$1,925
vs market+$434

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.10 ratio110% standard$2,595 / 1.35 ratio
2
Studio- 1 ZIP
1.26ratio
FMR$2,359
Market$1,870
vs market+$489

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.14 ratio110% standard$2,595 / 1.39 ratio
1
1.00-1.26
1 BR
1 BR- 1 ZIP
0.97ratio
FMR$2,476
Market$2,550
vs market-$74

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

90% standard$2,228 / 0.87 ratio110% standard$2,724 / 1.07 ratio
1
1 BR- 2 ZIPs
1.07-1.08ratio range
Median FMR$2,476
Median Market$2,305
vs market+$171

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

90% standard$2,228 / 0.97 ratio110% standard$2,724 / 1.18 ratio
2
1 BR- 1 ZIP
1.14ratio
FMR$2,476
Market$2,170
vs market+$306

FMR is above market; underwrite to market rent.

90% standard$2,228 / 1.03 ratio110% standard$2,724 / 1.26 ratio
1
1 BR- 2 ZIPs
1.20-1.24ratio range
Median FMR$2,476
Median Market$2,025
vs market+$451

FMR is above market; underwrite to market rent.

90% standard$2,228 / 1.10 ratio110% standard$2,724 / 1.35 ratio
2
0.97-1.24
2 BR
2 BR- 1 ZIP
0.85ratio
FMR$2,941
Market$3,450
vs market-$509

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

90% standard$2,647 / 0.77 ratio110% standard$3,235 / 0.94 ratio
1
2 BR- 1 ZIP
0.95ratio
FMR$2,941
Market$3,100
vs market-$159

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

90% standard$2,647 / 0.85 ratio110% standard$3,235 / 1.04 ratio
1
2 BR- 2 ZIPs
1.03-1.05ratio range
Median FMR$2,941
Median Market$2,835
vs market+$106

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

90% standard$2,647 / 0.93 ratio110% standard$3,235 / 1.14 ratio
2
2 BR- 1 ZIP
1.08ratio
FMR$2,941
Market$2,720
vs market+$221

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

90% standard$2,647 / 0.97 ratio110% standard$3,235 / 1.19 ratio
1
2 BR- 1 ZIP
1.16ratio
FMR$2,941
Market$2,540
vs market+$401

FMR is above market; underwrite to market rent.

90% standard$2,647 / 1.04 ratio110% standard$3,235 / 1.27 ratio
1
0.85-1.16
3 BR
3 BR- 2 ZIPs
0.97ratio range
Median FMR$3,526
Median Market$3,635
vs market-$109

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

90% standard$3,173 / 0.87 ratio110% standard$3,879 / 1.07 ratio
2
3 BR- 2 ZIPs
1.00-1.02ratio range
Median FMR$3,526
Median Market$3,500
vs market+$26

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

90% standard$3,173 / 0.91 ratio110% standard$3,879 / 1.11 ratio
2
3 BR- 1 ZIP
1.11ratio
FMR$3,526
Market$3,180
vs market+$346

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.00 ratio110% standard$3,879 / 1.22 ratio
1
3 BR- 1 ZIP
1.18ratio
FMR$3,526
Market$2,980
vs market+$546

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.06 ratio110% standard$3,879 / 1.30 ratio
1
0.97-1.18
4 BR
4 BR- 1 ZIP
0.90ratio
FMR$3,894
Market$4,350
vs market-$456

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

90% standard$3,505 / 0.81 ratio110% standard$4,283 / 0.98 ratio
1
4 BR- 2 ZIPs
0.97ratio range
Median FMR$3,894
Median Market$4,025
vs market-$131

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

90% standard$3,505 / 0.87 ratio110% standard$4,283 / 1.06 ratio
2
4 BR- 2 ZIPs
1.11-1.12ratio range
Median FMR$3,894
Median Market$3,500
vs market+$394

FMR is above market; underwrite to market rent.

90% standard$3,505 / 1.00 ratio110% standard$4,283 / 1.22 ratio
2
4 BR- 1 ZIP
1.72ratio
FMR$3,894
Market$2,270
vs market+$1,624

FMR is above market; underwrite to market rent.

1
0.90-1.72
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 LYNN, 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.

LYNN, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for LYNN, 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 LYNN, MA FMR, LYNN, MA fair market rent, and LYNN, 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 LYNN, MA
Bedroom sizeHUD FMR
Studio$2,359
1 bedroom$2,476
2 bedroom$2,941
3 bedroom$3,526
4 bedroom$3,894