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Oxford, MA

CitySAFMR
Worcester County
Found 1 ZIP

City Median Investment Score

62Below average

095130300
BRFMR
Eff. Rent
0 BR$1,430$1,460
1 BR$1,440$1,580
2 BR$1,860$1,910
3 BR$2,300$2,370
4 BR$2,550$2,740
5 BR$2,933Not available
6 BR$3,372Not available
7 BR$3,878Not available
8 BR$4,460Not available

Purchase Price Calculator

Maximum purchase price
$221,909

Cost breakdown

+Likely effective rent$1,910
HUD FMR$1,860
Market rent$1,930
Est. payment standard (102%)Used$1,910
-Principal and interest-$1,122
Loan amount$177,527
Down payment$44,382
Rate6.50%
Term30 years
-Operating costs-$588
Property taxes-$222
Insurance-$175
Utilities$0
HOA$0
Management-$191
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,623(69.0% ROI)
Projected value
$238,971
Return breakdown
Property appreciation+$17,063
Loan principal paid down+$6,360
Rental cash flow+$7,200
5-year hold
+$52,503(118.3% ROI)
Projected value
$251,069
Return breakdown
Property appreciation+$29,161
Loan principal paid down+$11,342
Rental cash flow+$12,000
10-year hold
+$113,180(255.0% ROI)
Projected value
$284,062
Return breakdown
Property appreciation+$62,153
Loan principal paid down+$27,026
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.97
1 BR
0.85
2 BR
0.96
3 BR
0.95
4 BR
0.90
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Oxford, MA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Oxford, MA is $1,860 a month. That is up 10.7% from $1,680 in FY 2026. Oxford 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 Oxford is 16% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Oxford, MA
BedroomsFY 2027Change90–110% range
Studio$1,430+10.0%$1,287–$1,573
1BR$1,440+9.9%$1,296–$1,584
2BR$1,860+10.7%$1,674–$2,046
3BR$2,300+10.6%$2,070–$2,530
4BR$2,550+10.4%$2,295–$2,805

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Oxford, MA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,430$1,440$1,860$2,300$2,550
FY 2026$1,300$1,310$1,680$2,080$2,310
FY 2025$1,160$1,170$1,510$1,840$2,030
FY 2024$1,110$1,150$1,480$1,800$1,980
FY 2023$1,000$1,050$1,350$1,660$1,820

Questions about Oxford, MA rents

How much will Section 8 pay for a two-bedroom in Oxford, 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 $1,860 it would be $1,674 to $2,046. 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 Oxford, MA in?

Oxford, 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 Oxford, MA for FY 2027?

The two-bedroom FMR rose 10.7%, from $1,680 in FY 2026 to $1,860 in FY 2027. Since FY 2023 it has risen 37.8%.

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