Home/MA/Essex County
Essex County, MA
CountyFMR
Found 60 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$2,359▲$1,470 – $2,550
1 BR$2,476▲$1,810 – $2,720
2 BR$2,941▲$2,420 – $3,240
3 BR$3,526▲$2,590 – $3,880
4 BR$3,894▲$2,270 – $4,280
5 BR$4,478▲—
6 BR$5,150▲—
7 BR$5,922▲—
8 BR$6,811▲—

Purchase Price Calculator

Maximum purchase price
$383,882

Cost breakdown

+Likely effective rent$3,000
HUD FMR$2,941
Market rent$3,030
Est. payment standard (102%)Used$3,000
Estimated payment standard is $3,000 (102% of FMR).
-Principal and interest-$1,941
Loan amount$307,106
Down payment$76,776
Rate6.50%
Term30 years
-Operating costs-$859
Property taxes-$384
Insurance-$175
Utilities$0
HOA$0
Management-$300
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$47,720(62.2% ROI)
Projected value
$413,399
Current value$383,882
Return breakdown
Property appreciation+$29,517
Loan principal paid down+$11,003
Rental cash flow+$7,200
5-year hold
+$82,066(106.9% ROI)
Projected value
$434,328
Current value$383,882
Return breakdown
Property appreciation+$50,445
Loan principal paid down+$19,621
Rental cash flow+$12,000
10-year hold
+$178,273(232.2% ROI)
Projected value
$491,402
Current value$383,882
Return breakdown
Property appreciation+$107,519
Loan principal paid down+$46,753
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
0.89ratio
FMR$2,359
Market$2,660
vs market-$301

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

90% standard$2,123 / 0.80 ratio110% standard$2,595 / 0.98 ratio
Studio- 3 ZIPs
0.91-0.92ratio range
Median FMR$2,359
Median Market$2,570
vs market-$211

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

90% standard$2,123 / 0.83 ratio110% standard$2,595 / 1.01 ratio
Studio- 4 ZIPs
0.94-0.98ratio range
Median FMR$2,359
Median Market$2,455
vs market-$96

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

90% standard$2,123 / 0.86 ratio110% standard$2,595 / 1.06 ratio
Studio- 11 ZIPs
0.98-1.00ratio range
Median FMR$2,359
Median Market$2,370
vs market-$11

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

90% standard$2,123 / 0.90 ratio110% standard$2,595 / 1.09 ratio
11
Studio- 5 ZIPs
1.03-1.06ratio range
Median FMR$2,359
Median Market$2,270
vs market+$89

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

90% standard$2,123 / 0.94 ratio110% standard$2,595 / 1.14 ratio
Studio- 2 ZIPs
1.07-1.08ratio range
Median FMR$2,359
Median Market$2,195
vs market+$164

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

90% standard$2,123 / 0.97 ratio110% standard$2,595 / 1.18 ratio
Studio- 7 ZIPs
1.11-1.15ratio range
Median FMR$2,359
Median Market$2,080
vs market+$279

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.02 ratio110% standard$2,595 / 1.25 ratio
7
Studio- 6 ZIPs
1.15-1.17ratio range
Median FMR$2,359
Median Market$2,035
vs market+$324

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.04 ratio110% standard$2,595 / 1.28 ratio
6
Studio- 11 ZIPs
1.20-1.25ratio range
Median FMR$2,359
Median Market$1,930
vs market+$429

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.10 ratio110% standard$2,595 / 1.34 ratio
11
Studio- 4 ZIPs
1.25-1.28ratio range
Median FMR$2,359
Median Market$1,875
vs market+$484

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.13 ratio110% standard$2,595 / 1.38 ratio
Studio- 3 ZIPs
1.30-1.32ratio range
Median FMR$2,359
Median Market$1,800
vs market+$559

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.18 ratio110% standard$2,595 / 1.44 ratio
Studio- 3 ZIPs
1.47-1.60ratio range
Median FMR$2,359
Median Market$1,510
vs market+$849

FMR is above market; underwrite to market rent.

0.89-1.60
1 BR
1 BR- 1 ZIP
0.85ratio
FMR$2,476
Market$2,900
vs market-$424

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

90% standard$2,228 / 0.77 ratio110% standard$2,724 / 0.94 ratio
1 BR- 2 ZIPs
0.87-0.89ratio range
Median FMR$2,476
Median Market$2,810
vs market-$334

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

90% standard$2,228 / 0.79 ratio110% standard$2,724 / 0.97 ratio
1 BR- 2 ZIPs
0.92-0.93ratio range
Median FMR$2,476
Median Market$2,665
vs market-$189

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

90% standard$2,228 / 0.84 ratio110% standard$2,724 / 1.02 ratio
1 BR- 19 ZIPs
0.94-0.98ratio range
Median FMR$2,476
Median Market$2,550
vs market-$74

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

90% standard$2,228 / 0.87 ratio110% standard$2,724 / 1.07 ratio
19
1 BR- 6 ZIPs
0.98-1.01ratio range
Median FMR$2,476
Median Market$2,465
vs market+$11

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

90% standard$2,228 / 0.90 ratio110% standard$2,724 / 1.10 ratio
1 BR- 10 ZIPs
1.03-1.06ratio range
Median FMR$2,476
Median Market$2,385
vs market+$91

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

90% standard$2,228 / 0.93 ratio110% standard$2,724 / 1.14 ratio
10
1 BR- 7 ZIPs
1.07-1.09ratio range
Median FMR$2,476
Median Market$2,290
vs market+$186

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

90% standard$2,228 / 0.97 ratio110% standard$2,724 / 1.19 ratio
1 BR- 4 ZIPs
1.12-1.14ratio range
Median FMR$2,476
Median Market$2,195
vs market+$281

FMR is above market; underwrite to market rent.

90% standard$2,228 / 1.02 ratio110% standard$2,724 / 1.24 ratio
1 BR- 5 ZIPs
1.16-1.19ratio range
Median FMR$2,476
Median Market$2,110
vs market+$366

FMR is above market; underwrite to market rent.

90% standard$2,228 / 1.06 ratio110% standard$2,724 / 1.29 ratio
1 BR- 3 ZIPs
1.20-1.24ratio range
Median FMR$2,476
Median Market$2,000
vs market+$476

FMR is above market; underwrite to market rent.

90% standard$2,228 / 1.11 ratio110% standard$2,724 / 1.36 ratio
1 BR- 1 ZIP
1.37ratio
FMR$2,476
Market$1,810
vs market+$666

FMR is above market; underwrite to market rent.

90% standard$2,228 / 1.23 ratio110% standard$2,724 / 1.50 ratio
0.85-1.37
2 BR
2 BR- 1 ZIP
0.79ratio
FMR$2,941
Market$3,700
vs market-$759

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

90% standard$2,647 / 0.72 ratio110% standard$3,235 / 0.87 ratio
2 BR- 2 ZIPs
0.85ratio range
Median FMR$2,941
Median Market$3,460
vs market-$519

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

90% standard$2,647 / 0.77 ratio110% standard$3,235 / 0.94 ratio
2 BR- 3 ZIPs
0.87-0.88ratio range
Median FMR$2,941
Median Market$3,360
vs market-$419

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

90% standard$2,647 / 0.79 ratio110% standard$3,235 / 0.96 ratio
2 BR- 11 ZIPs
0.91-0.94ratio range
Median FMR$2,941
Median Market$3,190
vs market-$249

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

90% standard$2,647 / 0.83 ratio110% standard$3,235 / 1.01 ratio
11
2 BR- 14 ZIPs
0.94-0.98ratio range
Median FMR$2,941
Median Market$3,100
vs market-$159

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

90% standard$2,647 / 0.85 ratio110% standard$3,235 / 1.04 ratio
14
2 BR- 7 ZIPs
0.98-1.00ratio range
Median FMR$2,941
Median Market$2,970
vs market-$29

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

90% standard$2,647 / 0.89 ratio110% standard$3,235 / 1.09 ratio
7
2 BR- 8 ZIPs
1.02-1.05ratio range
Median FMR$2,941
Median Market$2,815
vs market+$126

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

90% standard$2,647 / 0.94 ratio110% standard$3,235 / 1.15 ratio
8
2 BR- 8 ZIPs
1.07-1.10ratio range
Median FMR$2,941
Median Market$2,720
vs market+$221

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

90% standard$2,647 / 0.97 ratio110% standard$3,235 / 1.19 ratio
8
2 BR- 4 ZIPs
1.16-1.17ratio range
Median FMR$2,941
Median Market$2,525
vs market+$416

FMR is above market; underwrite to market rent.

90% standard$2,647 / 1.05 ratio110% standard$3,235 / 1.28 ratio
2 BR- 2 ZIPs
1.21-1.22ratio range
Median FMR$2,941
Median Market$2,430
vs market+$511

FMR is above market; underwrite to market rent.

90% standard$2,647 / 1.09 ratio110% standard$3,235 / 1.33 ratio
0.79-1.22
3 BR
3 BR- 4 ZIPs
0.79-0.81ratio range
Median FMR$3,526
Median Market$4,370
vs market-$844

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

90% standard$3,173 / 0.73 ratio110% standard$3,879 / 0.89 ratio
3 BR- 3 ZIPs
0.82-0.86ratio range
Median FMR$3,526
Median Market$4,160
vs market-$634

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

90% standard$3,173 / 0.76 ratio110% standard$3,879 / 0.93 ratio
3 BR- 4 ZIPs
0.86-0.90ratio range
Median FMR$3,526
Median Market$3,930
vs market-$404

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

90% standard$3,173 / 0.81 ratio110% standard$3,879 / 0.99 ratio
3 BR- 5 ZIPs
0.91-0.94ratio range
Median FMR$3,526
Median Market$3,850
vs market-$324

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

90% standard$3,173 / 0.82 ratio110% standard$3,879 / 1.01 ratio
3 BR- 12 ZIPs
0.95-0.97ratio range
Median FMR$3,526
Median Market$3,630
vs market-$104

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

90% standard$3,173 / 0.87 ratio110% standard$3,879 / 1.07 ratio
12
3 BR- 6 ZIPs
0.99-1.02ratio range
Median FMR$3,526
Median Market$3,490
vs market+$36

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

90% standard$3,173 / 0.91 ratio110% standard$3,879 / 1.11 ratio
6
3 BR- 2 ZIPs
1.04-1.06ratio range
Median FMR$3,526
Median Market$3,360
vs market+$166

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

90% standard$3,173 / 0.94 ratio110% standard$3,879 / 1.15 ratio
3 BR- 10 ZIPs
1.06-1.10ratio range
Median FMR$3,526
Median Market$3,285
vs market+$241

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

90% standard$3,173 / 0.97 ratio110% standard$3,879 / 1.18 ratio
10
3 BR- 3 ZIPs
1.11-1.12ratio range
Median FMR$3,526
Median Market$3,160
vs market+$366

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.00 ratio110% standard$3,879 / 1.23 ratio
3 BR- 4 ZIPs
1.15-1.19ratio range
Median FMR$3,526
Median Market$3,005
vs market+$521

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.06 ratio110% standard$3,879 / 1.29 ratio
3 BR- 1 ZIP
1.23ratio
FMR$3,526
Market$2,870
vs market+$656

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.11 ratio110% standard$3,879 / 1.35 ratio
3 BR- 3 ZIPs
1.25-1.29ratio range
Median FMR$3,526
Median Market$2,810
vs market+$716

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.13 ratio110% standard$3,879 / 1.38 ratio
3 BR- 2 ZIPs
1.32-1.34ratio range
Median FMR$3,526
Median Market$2,650
vs market+$876

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.20 ratio110% standard$3,879 / 1.46 ratio
3 BR- 1 ZIP
1.36ratio
FMR$3,526
Market$2,590
vs market+$936

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.23 ratio110% standard$3,879 / 1.50 ratio
0.79-1.36
4 BR
4 BR- 3 ZIPs
0.66-0.68ratio range
Median FMR$3,894
Median Market$5,730
vs market-$1,836

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

90% standard$3,505 / 0.61 ratio110% standard$4,283 / 0.75 ratio
4 BR- 1 ZIP
0.74ratio
FMR$3,894
Market$5,270
vs market-$1,376

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

90% standard$3,505 / 0.67 ratio110% standard$4,283 / 0.81 ratio
4 BR- 1 ZIP
0.81ratio
FMR$3,894
Market$4,810
vs market-$916

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

90% standard$3,505 / 0.73 ratio110% standard$4,283 / 0.89 ratio
4 BR- 8 ZIPs
0.83-0.86ratio range
Median FMR$3,894
Median Market$4,660
vs market-$766

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

90% standard$3,505 / 0.75 ratio110% standard$4,283 / 0.92 ratio
8
4 BR- 9 ZIPs
0.89-0.90ratio range
Median FMR$3,894
Median Market$4,350
vs market-$456

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

90% standard$3,505 / 0.81 ratio110% standard$4,283 / 0.98 ratio
9
4 BR- 2 ZIPs
0.90-0.93ratio range
Median FMR$3,894
Median Market$4,250
vs market-$356

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

90% standard$3,505 / 0.82 ratio110% standard$4,283 / 1.01 ratio
4 BR- 7 ZIPs
0.95-0.98ratio range
Median FMR$3,894
Median Market$4,030
vs market-$136

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

90% standard$3,505 / 0.87 ratio110% standard$4,283 / 1.06 ratio
7
4 BR- 3 ZIPs
0.99-1.01ratio range
Median FMR$3,894
Median Market$3,870
vs market+$24

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

90% standard$3,505 / 0.91 ratio110% standard$4,283 / 1.11 ratio
4 BR- 2 ZIPs
1.05ratio range
Median FMR$3,894
Median Market$3,715
vs market+$179

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

90% standard$3,505 / 0.94 ratio110% standard$4,283 / 1.15 ratio
4 BR- 6 ZIPs
1.07-1.10ratio range
Median FMR$3,894
Median Market$3,620
vs market+$274

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

90% standard$3,505 / 0.97 ratio110% standard$4,283 / 1.18 ratio
6
4 BR- 6 ZIPs
1.11-1.14ratio range
Median FMR$3,894
Median Market$3,485
vs market+$409

FMR is above market; underwrite to market rent.

90% standard$3,505 / 1.01 ratio110% standard$4,283 / 1.23 ratio
6
4 BR- 4 ZIPs
1.15-1.19ratio range
Median FMR$3,894
Median Market$3,330
vs market+$564

FMR is above market; underwrite to market rent.

90% standard$3,505 / 1.05 ratio110% standard$4,283 / 1.29 ratio
4 BR- 2 ZIPs
1.25-1.29ratio range
Median FMR$3,894
Median Market$3,070
vs market+$824

FMR is above market; underwrite to market rent.

90% standard$3,505 / 1.14 ratio110% standard$4,283 / 1.40 ratio
4 BR- 2 ZIPs
1.32-1.33ratio range
Median FMR$3,894
Median Market$2,940
vs market+$954

FMR is above market; underwrite to market rent.

90% standard$3,505 / 1.19 ratio110% standard$4,283 / 1.46 ratio
4 BR- 4 ZIPs
1.37-1.72ratio range
Median FMR$3,894
Median Market$2,760
vs market+$1,134

FMR is above market; underwrite to market rent.

90% standard$3,505 / 1.27 ratio110% standard$4,283 / 1.55 ratio
0.66-1.72
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 Essex County, 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 geos
Related ZIPs
01810018120182601830018310183201833018340183501840

Essex County, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for Essex County, 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 Essex County, MA FMR, Essex County, MA fair market rent, and Essex County, 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 Essex County, MA
Bedroom sizeHUD FMR
Studio$2,359
1 bedroom$2,476
2 bedroom$2,941
3 bedroom$3,526
4 bedroom$3,894
01810 FMR01812 FMR01826 FMR01830 FMR01831 FMR01832 FMR01833 FMR01834 FMR