MA/Middlesex County/SOMERVILLE
SOMERVILLE, MA
CityFMR
Middlesex County
Found 3 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$2,359▲$1,980 – $2,500
1 BR$2,476▲$2,450 – $2,650
2 BR$2,941▲$3,150 – $3,240
3 BR$3,526▲$3,290 – $3,880
4 BR$3,894▲$4,280
5 BR$4,478▲—
6 BR$5,150▲—
7 BR$5,922▲—
8 BR$6,811▲—

Purchase Price Calculator

Maximum purchase price
$413,602

Cost breakdown

+Likely effective rent$3,200
HUD FMR$2,941
Market rent$3,340
Est. payment standard (109%)Used$3,200
Estimated payment standard is $3,200 (109% of FMR).
-Principal and interest-$2,091
Loan amount$330,882
Down payment$82,720
Rate6.50%
Term30 years
-Operating costs-$909
Property taxes-$414
Insurance-$175
Utilities$0
HOA$0
Management-$320
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$50,857(61.5% ROI)
Projected value
$445,404
Current value$413,602
Return breakdown
Property appreciation+$31,802
Loan principal paid down+$11,855
Rental cash flow+$7,200
5-year hold
+$87,491(105.8% ROI)
Projected value
$467,953
Current value$413,602
Return breakdown
Property appreciation+$54,351
Loan principal paid down+$21,140
Rental cash flow+$12,000
10-year hold
+$190,217(230.0% ROI)
Projected value
$529,446
Current value$413,602
Return breakdown
Property appreciation+$115,844
Loan principal paid down+$50,373
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
0.91ratio
FMR$2,359
Market$2,580
vs market-$221

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

90% standard$2,123 / 0.82 ratio110% standard$2,595 / 1.01 ratio
1
Studio- 1 ZIP
0.96ratio
FMR$2,359
Market$2,470
vs market-$111

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

90% standard$2,123 / 0.86 ratio110% standard$2,595 / 1.05 ratio
1
Studio- 1 ZIP
1.19ratio
FMR$2,359
Market$1,980
vs market+$379

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.07 ratio110% standard$2,595 / 1.31 ratio
1
0.91-1.19
1 BR
1 BR- 2 ZIPs
0.90-0.93ratio range
Median FMR$2,476
Median Market$2,700
vs market-$224

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

90% standard$2,228 / 0.83 ratio110% standard$2,724 / 1.01 ratio
2
1 BR- 1 ZIP
1.01ratio
FMR$2,476
Market$2,450
vs market+$26

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

90% standard$2,228 / 0.91 ratio110% standard$2,724 / 1.11 ratio
1
0.90-1.01
2 BR
2 BR- 1 ZIP
0.82ratio
FMR$2,941
Market$3,600
vs market-$659

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

90% standard$2,647 / 0.74 ratio110% standard$3,235 / 0.90 ratio
1
2 BR- 2 ZIPs
0.88-0.90ratio range
Median FMR$2,941
Median Market$3,305
vs market-$364

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

90% standard$2,647 / 0.80 ratio110% standard$3,235 / 0.98 ratio
2
0.82-0.90
3 BR
3 BR- 1 ZIP
0.85ratio
FMR$3,526
Market$4,140
vs market-$614

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

90% standard$3,173 / 0.77 ratio110% standard$3,879 / 0.94 ratio
1
3 BR- 1 ZIP
0.89ratio
FMR$3,526
Market$3,980
vs market-$454

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

90% standard$3,173 / 0.80 ratio110% standard$3,879 / 0.97 ratio
1
3 BR- 1 ZIP
1.07ratio
FMR$3,526
Market$3,290
vs market+$236

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

90% standard$3,173 / 0.96 ratio110% standard$3,879 / 1.18 ratio
1
0.85-1.07
4 BR
4 BR- 2 ZIPs
0.80-0.81ratio range
Median FMR$3,894
Median Market$4,835
vs market-$941

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

90% standard$3,505 / 0.72 ratio110% standard$4,283 / 0.89 ratio
2
4 BR- 1 ZIP
0.85ratio
FMR$3,894
Market$4,560
vs market-$666

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

90% standard$3,505 / 0.77 ratio110% standard$4,283 / 0.94 ratio
1
0.80-0.85
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 SOMERVILLE, 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
021430214402145

SOMERVILLE, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for SOMERVILLE, 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 SOMERVILLE, MA FMR, SOMERVILLE, MA fair market rent, and SOMERVILLE, 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 SOMERVILLE, MA
Bedroom sizeHUD FMR
Studio$2,359
1 bedroom$2,476
2 bedroom$2,941
3 bedroom$3,526
4 bedroom$3,894
Middlesex County fair market rent02143 FMR02144 FMR02145 FMR