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Winthrop, MA

CitySAFMR
Suffolk County
Found 1 ZIP

City Median Investment Score

62Below average

095130300
BRFMR
Eff. Rent
0 BR$2,230$1,860
1 BR$2,300$2,150
2 BR$2,750$2,860
3 BR$3,280$3,580
4 BR$3,610$3,970
5 BR$4,152Not available
6 BR$4,774Not available
7 BR$5,490Not available
8 BR$6,314Not available

Purchase Price Calculator

Maximum purchase price
$363,078

Cost breakdown

+Likely effective rent$2,860
HUD FMR$2,750
Market rent$2,920
Est. payment standard (104%)Used$2,860
-Principal and interest-$1,836
Loan amount$290,463
Down payment$72,616
Rate6.50%
Term30 years
-Operating costs-$824
Property taxes-$363
Insurance-$175
Utilities$0
HOA$0
Management-$286
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,524(62.7% ROI)
Projected value
$390,996
Return breakdown
Property appreciation+$27,917
Loan principal paid down+$10,407
Rental cash flow+$7,200
5-year hold
+$78,269(107.8% ROI)
Projected value
$410,790
Return breakdown
Property appreciation+$47,711
Loan principal paid down+$18,558
Rental cash flow+$12,000
10-year hold
+$169,912(234.0% ROI)
Projected value
$464,771
Return breakdown
Property appreciation+$101,693
Loan principal paid down+$44,220
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.20
1 BR
1.07
2 BR
0.94
3 BR
0.88
4 BR
0.86
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Winthrop, MA fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Winthrop, MA is $2,750 a month. That is up 5.0% from $2,620 in FY 2026. Winthrop is in the Boston-Cambridge-Quincy, MA-NH 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 $3,008. The median county two-bedroom FMR in Massachusetts is $2,222, so Winthrop is 24% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Winthrop, MA
BedroomsFY 2027Change90–110% range
Studio$2,230+6.2%$2,007–$2,453
1BR$2,300+4.1%$2,070–$2,530
2BR$2,750+5.0%$2,475–$3,025
3BR$3,280+4.5%$2,952–$3,608
4BR$3,610+4.0%$3,249–$3,971

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Winthrop, MA
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,230$2,300$2,750$3,280$3,610
FY 2026$2,100$2,210$2,620$3,140$3,470
FY 2025$2,010$2,140$2,550$3,080$3,390
FY 2024$1,930$2,080$2,470$2,990$3,290
FY 2023$1,740$1,890$2,260$2,750$3,040

Questions about Winthrop, MA rents

How much will Section 8 pay for a two-bedroom in Winthrop, MA?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $3,008, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,707 to $3,309 a month; under the ZIP-level Small Area FMR of $2,750 it would be $2,475 to $3,025. 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 Winthrop, MA in?

Winthrop, MA is in the Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $3,008.

How much did fair market rent change in Winthrop, MA for FY 2027?

The two-bedroom FMR rose 5.0%, from $2,620 in FY 2026 to $2,750 in FY 2027. Since FY 2023 it has risen 21.7%.

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