MA/Hampden County/WESTFIELD
WESTFIELD, MA
CityFMR
Hampden County
Found 2 ZIPs
BRFMR
Eff. Rent
0 BR$1,219$1,340
1 BR$1,382$1,520
2 BR$1,734$1,910
3 BR$2,127$2,220 – $2,280
4 BR$2,296$2,430 – $2,440
5 BR$2,640
6 BR$3,036
7 BR$3,492
8 BR$4,016

Purchase Price Calculator

Maximum purchase price
$221,909

Cost breakdown

+Likely effective rent$1,910
HUD FMR$1,734
Market rent$2,035
Est. payment standard (110%)Used$1,910
Estimated payment standard is $1,910 (110% of FMR).
-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
Current value$221,909
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
Current value$221,909
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
Current value$221,909
Return breakdown
Property appreciation+$62,153
Loan principal paid down+$27,026
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
0.76ratio
FMR$1,219
Market$1,610
vs market-$391

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

90% standard$1,097 / 0.68 ratio110% standard$1,341 / 0.83 ratio
1
Studio- 1 ZIP
0.81ratio
FMR$1,219
Market$1,510
vs market-$291

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

90% standard$1,097 / 0.73 ratio110% standard$1,341 / 0.89 ratio
1
0.76-0.81
1 BR
1 BR- 1 ZIP
0.77ratio
FMR$1,382
Market$1,800
vs market-$418

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

90% standard$1,244 / 0.69 ratio110% standard$1,520 / 0.84 ratio
1
1 BR- 1 ZIP
0.79ratio
FMR$1,382
Market$1,750
vs market-$368

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

90% standard$1,244 / 0.71 ratio110% standard$1,520 / 0.87 ratio
1
0.77-0.79
2 BR
2 BR- 1 ZIP
0.84ratio
FMR$1,734
Market$2,060
vs market-$326

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

90% standard$1,561 / 0.76 ratio110% standard$1,907 / 0.93 ratio
1
2 BR- 1 ZIP
0.86ratio
FMR$1,734
Market$2,010
vs market-$276

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

90% standard$1,561 / 0.78 ratio110% standard$1,907 / 0.95 ratio
1
0.84-0.86
3 BR
3 BR- 2 ZIPs
0.90-0.94ratio range
Median FMR$2,127
Median Market$2,315
vs market-$188

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

90% standard$1,914 / 0.83 ratio110% standard$2,340 / 1.01 ratio
2
0.90-0.94
4 BR
4 BR- 2 ZIPs
0.91-0.92ratio range
Median FMR$2,296
Median Market$2,510
vs market-$214

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

90% standard$2,066 / 0.82 ratio110% standard$2,526 / 1.01 ratio
2
0.91-0.92
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 WESTFIELD, 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

WESTFIELD, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for WESTFIELD, 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 WESTFIELD, MA FMR, WESTFIELD, MA fair market rent, and WESTFIELD, 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 WESTFIELD, MA
Bedroom sizeHUD FMR
Studio$1,219
1 bedroom$1,382
2 bedroom$1,734
3 bedroom$2,127
4 bedroom$2,296