MA/Hampden County/SPRINGFIELD
SPRINGFIELD, MA
CityFMR
Hampden County
Found 18 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$1,219▲$1,110 – $1,340
1 BR$1,382▲$1,330 – $1,520
2 BR$1,734▲$1,670 – $1,910
3 BR$2,127▲$2,040 – $2,340
4 BR$2,296▲$2,170 – $2,530
5 BR$2,640▲—
6 BR$3,036▲—
7 BR$3,492▲—
8 BR$4,016▲—

Purchase Price Calculator

Maximum purchase price
$204,077

Cost breakdown

+Likely effective rent$1,790
HUD FMR$1,734
Market rent$1,815
Est. payment standard (103%)Used$1,790
Estimated payment standard is $1,790 (103% of FMR).
-Principal and interest-$1,032
Loan amount$163,261
Down payment$40,815
Rate6.50%
Term30 years
-Operating costs-$558
Property taxes-$204
Insurance-$175
Utilities$0
HOA$0
Management-$179
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,741(70.4% ROI)
Projected value
$219,768
Current value$204,077
Return breakdown
Property appreciation+$15,692
Loan principal paid down+$5,849
Rental cash flow+$7,200
5-year hold
+$49,248(120.7% ROI)
Projected value
$230,894
Current value$204,077
Return breakdown
Property appreciation+$26,817
Loan principal paid down+$10,431
Rental cash flow+$12,000
10-year hold
+$106,013(259.7% ROI)
Projected value
$261,236
Current value$204,077
Return breakdown
Property appreciation+$57,159
Loan principal paid down+$24,855
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
0.80ratio
FMR$1,219
Market$1,520
vs market-$301

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

90% standard$1,097 / 0.72 ratio110% standard$1,341 / 0.88 ratio
Studio- 5 ZIPs
0.82-0.85ratio range
Median FMR$1,219
Median Market$1,430
vs market-$211

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

90% standard$1,097 / 0.77 ratio110% standard$1,341 / 0.94 ratio
5
Studio- 2 ZIPs
0.86-0.88ratio range
Median FMR$1,219
Median Market$1,395
vs market-$176

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

90% standard$1,097 / 0.79 ratio110% standard$1,341 / 0.96 ratio
Studio- 1 ZIP
0.90ratio
FMR$1,219
Market$1,350
vs market-$131

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

90% standard$1,097 / 0.81 ratio110% standard$1,341 / 0.99 ratio
Studio- 6 ZIPs
0.95ratio range
Median FMR$1,219
Median Market$1,280
vs market-$61

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

90% standard$1,097 / 0.86 ratio110% standard$1,341 / 1.05 ratio
6
Studio- 2 ZIPs
1.02-1.06ratio range
Median FMR$1,219
Median Market$1,170
vs market+$49

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

90% standard$1,097 / 0.94 ratio110% standard$1,341 / 1.15 ratio
Studio- 1 ZIP
1.10ratio
FMR$1,219
Market$1,110
vs market+$109

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

90% standard$1,097 / 0.99 ratio110% standard$1,341 / 1.21 ratio
0.80-1.10
1 BR
1 BR- 3 ZIPs
0.85ratio range
Median FMR$1,382
Median Market$1,630
vs market-$248

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

90% standard$1,244 / 0.76 ratio110% standard$1,520 / 0.93 ratio
1 BR- 1 ZIP
0.89ratio
FMR$1,382
Market$1,550
vs market-$168

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

90% standard$1,244 / 0.80 ratio110% standard$1,520 / 0.98 ratio
1 BR- 3 ZIPs
0.91-0.93ratio range
Median FMR$1,382
Median Market$1,510
vs market-$128

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

90% standard$1,244 / 0.82 ratio110% standard$1,520 / 1.01 ratio
1 BR- 1 ZIP
0.97ratio
FMR$1,382
Market$1,430
vs market-$48

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

90% standard$1,244 / 0.87 ratio110% standard$1,520 / 1.06 ratio
1 BR- 7 ZIPs
0.99ratio range
Median FMR$1,382
Median Market$1,390
vs market-$8

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

90% standard$1,244 / 0.89 ratio110% standard$1,520 / 1.09 ratio
7
1 BR- 3 ZIPs
1.02-1.04ratio range
Median FMR$1,382
Median Market$1,340
vs market+$42

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

90% standard$1,244 / 0.93 ratio110% standard$1,520 / 1.13 ratio
0.85-1.04
2 BR
2 BR- 1 ZIP
0.85ratio
FMR$1,734
Market$2,030
vs market-$296

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

90% standard$1,561 / 0.77 ratio110% standard$1,907 / 0.94 ratio
2 BR- 2 ZIPs
0.88-0.89ratio range
Median FMR$1,734
Median Market$1,965
vs market-$231

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

90% standard$1,561 / 0.79 ratio110% standard$1,907 / 0.97 ratio
2 BR- 5 ZIPs
0.92-0.93ratio range
Median FMR$1,734
Median Market$1,890
vs market-$156

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

90% standard$1,561 / 0.83 ratio110% standard$1,907 / 1.01 ratio
5
2 BR- 2 ZIPs
0.94-0.97ratio range
Median FMR$1,734
Median Market$1,815
vs market-$81

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

90% standard$1,561 / 0.86 ratio110% standard$1,907 / 1.05 ratio
2 BR- 3 ZIPs
1.00-1.02ratio range
Median FMR$1,734
Median Market$1,720
vs market+$14

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

90% standard$1,561 / 0.91 ratio110% standard$1,907 / 1.11 ratio
3
2 BR- 5 ZIPs
1.04ratio range
Median FMR$1,734
Median Market$1,670
vs market+$64

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

90% standard$1,561 / 0.93 ratio110% standard$1,907 / 1.14 ratio
5
0.85-1.04
3 BR
3 BR- 2 ZIPs
0.83-0.84ratio range
Median FMR$2,127
Median Market$2,555
vs market-$428

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

90% standard$1,914 / 0.75 ratio110% standard$2,340 / 0.92 ratio
3 BR- 4 ZIPs
0.88ratio range
Median FMR$2,127
Median Market$2,430
vs market-$303

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

90% standard$1,914 / 0.79 ratio110% standard$2,340 / 0.96 ratio
3 BR- 1 ZIP
0.94ratio
FMR$2,127
Market$2,270
vs market-$143

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

90% standard$1,914 / 0.84 ratio110% standard$2,340 / 1.03 ratio
3 BR- 9 ZIPs
0.98-1.01ratio range
Median FMR$2,127
Median Market$2,160
vs market-$33

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

90% standard$1,914 / 0.89 ratio110% standard$2,340 / 1.08 ratio
9
3 BR- 2 ZIPs
1.02-1.04ratio range
Median FMR$2,127
Median Market$2,060
vs market+$67

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

90% standard$1,914 / 0.93 ratio110% standard$2,340 / 1.14 ratio
0.83-1.04
4 BR
4 BR- 4 ZIPs
0.80-0.81ratio range
Median FMR$2,296
Median Market$2,835
vs market-$539

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

90% standard$2,066 / 0.73 ratio110% standard$2,526 / 0.89 ratio
4
4 BR- 2 ZIPs
0.82-0.83ratio range
Median FMR$2,296
Median Market$2,780
vs market-$484

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

90% standard$2,066 / 0.74 ratio110% standard$2,526 / 0.91 ratio
4 BR- 2 ZIPs
0.91-0.94ratio range
Median FMR$2,296
Median Market$2,485
vs market-$189

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

90% standard$2,066 / 0.83 ratio110% standard$2,526 / 1.02 ratio
4 BR- 3 ZIPs
0.95-0.96ratio range
Median FMR$2,296
Median Market$2,410
vs market-$114

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

90% standard$2,066 / 0.86 ratio110% standard$2,526 / 1.05 ratio
3
4 BR- 2 ZIPs
0.98-1.01ratio range
Median FMR$2,296
Median Market$2,310
vs market-$14

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

90% standard$2,066 / 0.89 ratio110% standard$2,526 / 1.09 ratio
4 BR- 5 ZIPs
1.06ratio range
Median FMR$2,296
Median Market$2,170
vs market+$126

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

90% standard$2,066 / 0.95 ratio110% standard$2,526 / 1.16 ratio
5
0.80-1.06
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 SPRINGFIELD, 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
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SPRINGFIELD, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for SPRINGFIELD, MA shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,734 and the 4 bedroom fair market rent is $2,296.

Use this page for searches like SPRINGFIELD, MA FMR, SPRINGFIELD, MA fair market rent, and SPRINGFIELD, 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 SPRINGFIELD, MA
Bedroom sizeHUD FMR
Studio$1,219
1 bedroom$1,382
2 bedroom$1,734
3 bedroom$2,127
4 bedroom$2,296
Hampden County fair market rent01101 FMR01103 FMR01104 FMR01105 FMR01107 FMR01108 FMR01109 FMR01111 FMR