PEPPERELL, MA
CityFMR
Middlesex County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$2,359$1,560
1 BR$2,476$1,700
2 BR$2,941$2,410
3 BR$3,526$3,000
4 BR$3,894$3,290
5 BR$4,478
6 BR$5,150
7 BR$5,922
8 BR$6,811

Purchase Price Calculator

Maximum purchase price
$296,209

Cost breakdown

+Likely effective rent$2,410
HUD FMR$2,941
Market rentUsed$2,410
Est. payment standard (90%)$2,650
Market rent is below the inferred standard ($2,650, 90% of FMR).
-Principal and interest-$1,498
Loan amount$236,967
Down payment$59,242
Rate6.50%
Term30 years
-Operating costs-$712
Property taxes-$296
Insurance-$175
Utilities$0
HOA$0
Management-$241
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,466(64.9% ROI)
Projected value
$318,984
Current value$296,209
Return breakdown
Property appreciation+$22,776
Loan principal paid down+$8,490
Rental cash flow+$7,200
5-year hold
+$66,064(111.5% ROI)
Projected value
$335,133
Current value$296,209
Return breakdown
Property appreciation+$38,924
Loan principal paid down+$15,140
Rental cash flow+$12,000
10-year hold
+$143,039(241.4% ROI)
Projected value
$379,172
Current value$296,209
Return breakdown
Property appreciation+$82,963
Loan principal paid down+$36,076
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- 01463
1.51ratio
FMR$2,359
Market$1,560
vs market+$799

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.36 ratio110% standard$2,595 / 1.66 ratio
1.51
1 BR
1 BR- 01463
1.46ratio
FMR$2,476
Market$1,700
vs market+$776

FMR is above market; underwrite to market rent.

90% standard$2,228 / 1.31 ratio110% standard$2,724 / 1.60 ratio
1.46
2 BR
2 BR- 01463
1.22ratio
FMR$2,941
Market$2,410
vs market+$531

FMR is above market; underwrite to market rent.

90% standard$2,647 / 1.10 ratio110% standard$3,235 / 1.34 ratio
1.22
3 BR
3 BR- 01463
1.18ratio
FMR$3,526
Market$3,000
vs market+$526

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.06 ratio110% standard$3,879 / 1.29 ratio
1.18
4 BR
4 BR- 01463
1.18ratio
FMR$3,894
Market$3,290
vs market+$604

FMR is above market; underwrite to market rent.

90% standard$3,505 / 1.07 ratio110% standard$4,283 / 1.30 ratio
1.18
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 PEPPERELL, 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

PEPPERELL, MA fair market rent and Section 8 rent limits

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