Home/MA/Hampden County
Hampden County, MA
CountyFMR
Found 57 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$1,219▲$1,110 – $1,340
1 BR$1,382▲$1,300 – $1,520
2 BR$1,734▲$1,500 – $1,910
3 BR$2,127▲$1,760 – $2,340
4 BR$2,296▲$1,920 – $2,530
5 BR$2,640▲—
6 BR$3,036▲—
7 BR$3,492▲—
8 BR$4,016▲—

Purchase Price Calculator

Maximum purchase price
$205,563

Cost breakdown

+Likely effective rent$1,800
HUD FMR$1,734
Market rent$1,840
Est. payment standard (104%)Used$1,800
Estimated payment standard is $1,800 (104% of FMR).
-Principal and interest-$1,039
Loan amount$164,450
Down payment$41,113
Rate6.50%
Term30 years
-Operating costs-$561
Property taxes-$206
Insurance-$175
Utilities$0
HOA$0
Management-$180
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,898(70.3% ROI)
Projected value
$221,369
Current value$205,563
Return breakdown
Property appreciation+$15,806
Loan principal paid down+$5,892
Rental cash flow+$7,200
5-year hold
+$49,519(120.4% ROI)
Projected value
$232,575
Current value$205,563
Return breakdown
Property appreciation+$27,013
Loan principal paid down+$10,507
Rental cash flow+$12,000
10-year hold
+$106,611(259.3% ROI)
Projected value
$263,138
Current value$205,563
Return breakdown
Property appreciation+$57,575
Loan principal paid down+$25,036
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- 3 ZIPs
0.50-0.56ratio range
Median FMR$1,219
Median Market$2,350
vs market-$1,131

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

Studio- 1 ZIP
0.66ratio
FMR$1,219
Market$1,840
vs market-$621

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

90% standard$1,097 / 0.60 ratio110% standard$1,341 / 0.73 ratio
Studio- 1 ZIP
0.70ratio
FMR$1,219
Market$1,750
vs market-$531

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

90% standard$1,097 / 0.63 ratio110% standard$1,341 / 0.77 ratio
Studio- 5 ZIPs
0.73-0.76ratio range
Median FMR$1,219
Median 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
Studio- 3 ZIPs
0.80-0.81ratio range
Median FMR$1,219
Median 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- 6 ZIPs
0.82-0.85ratio range
Median FMR$1,219
Median Market$1,435
vs market-$216

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

90% standard$1,097 / 0.76 ratio110% standard$1,341 / 0.93 ratio
6
Studio- 10 ZIPs
0.86-0.90ratio range
Median FMR$1,219
Median Market$1,390
vs market-$171

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

90% standard$1,097 / 0.79 ratio110% standard$1,341 / 0.96 ratio
10
Studio- 5 ZIPs
0.90-0.93ratio range
Median FMR$1,219
Median Market$1,330
vs market-$111

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

90% standard$1,097 / 0.82 ratio110% standard$1,341 / 1.01 ratio
Studio- 12 ZIPs
0.94-0.95ratio 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
12
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
0.50-1.10
1 BR
1 BR- 2 ZIPs
0.58-0.59ratio range
Median FMR$1,382
Median Market$2,365
vs market-$983

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

90% standard$1,244 / 0.53 ratio110% standard$1,520 / 0.64 ratio
1 BR- 1 ZIP
0.72ratio
FMR$1,382
Market$1,910
vs market-$528

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

90% standard$1,244 / 0.65 ratio110% standard$1,520 / 0.80 ratio
1 BR- 4 ZIPs
0.74-0.77ratio range
Median FMR$1,382
Median Market$1,835
vs market-$453

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

90% standard$1,244 / 0.68 ratio110% standard$1,520 / 0.83 ratio
1 BR- 3 ZIPs
0.79-0.80ratio range
Median FMR$1,382
Median 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 BR- 6 ZIPs
0.83-0.85ratio 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- 3 ZIPs
0.86-0.89ratio range
Median FMR$1,382
Median Market$1,600
vs market-$218

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

90% standard$1,244 / 0.78 ratio110% standard$1,520 / 0.95 ratio
1 BR- 5 ZIPs
0.90-0.93ratio range
Median FMR$1,382
Median Market$1,520
vs market-$138

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

90% standard$1,244 / 0.82 ratio110% standard$1,520 / 1.00 ratio
1 BR- 6 ZIPs
0.94-0.97ratio range
Median FMR$1,382
Median 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- 14 ZIPs
0.99-1.02ratio 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
14
1 BR- 4 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
1 BR- 1 ZIP
1.06ratio
FMR$1,382
Market$1,300
vs market+$82

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

90% standard$1,244 / 0.96 ratio110% standard$1,520 / 1.17 ratio
0.58-1.06
2 BR
2 BR- 2 ZIPs
0.66-0.69ratio range
Median FMR$1,734
Median Market$2,575
vs market-$841

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

90% standard$1,561 / 0.61 ratio110% standard$1,907 / 0.74 ratio
2 BR- 1 ZIP
0.71ratio
FMR$1,734
Market$2,440
vs market-$706

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

90% standard$1,561 / 0.64 ratio110% standard$1,907 / 0.78 ratio
2 BR- 1 ZIP
0.74ratio
FMR$1,734
Market$2,340
vs market-$606

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

90% standard$1,561 / 0.67 ratio110% standard$1,907 / 0.82 ratio
2 BR- 2 ZIPs
0.79-0.81ratio range
Median FMR$1,734
Median Market$2,165
vs market-$431

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

90% standard$1,561 / 0.72 ratio110% standard$1,907 / 0.88 ratio
2 BR- 4 ZIPs
0.83-0.85ratio range
Median FMR$1,734
Median Market$2,045
vs market-$311

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

90% standard$1,561 / 0.76 ratio110% standard$1,907 / 0.93 ratio
2 BR- 8 ZIPs
0.86-0.89ratio 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
8
2 BR- 6 ZIPs
0.92-0.94ratio range
Median FMR$1,734
Median Market$1,880
vs market-$146

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

90% standard$1,561 / 0.83 ratio110% standard$1,907 / 1.01 ratio
6
2 BR- 8 ZIPs
0.94-0.97ratio range
Median FMR$1,734
Median Market$1,805
vs market-$71

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

90% standard$1,561 / 0.86 ratio110% standard$1,907 / 1.06 ratio
8
2 BR- 6 ZIPs
0.99-1.02ratio 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
6
2 BR- 10 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
10
2 BR- 1 ZIP
1.16ratio
FMR$1,734
Market$1,500
vs market+$234

FMR is above market; underwrite to market rent.

90% standard$1,561 / 1.04 ratio110% standard$1,907 / 1.27 ratio
0.66-1.16
3 BR
3 BR- 3 ZIPs
0.78-0.80ratio range
Median FMR$2,127
Median Market$2,690
vs market-$563

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

90% standard$1,914 / 0.71 ratio110% standard$2,340 / 0.87 ratio
3 BR- 7 ZIPs
0.81-0.84ratio range
Median FMR$2,127
Median Market$2,570
vs market-$443

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

90% standard$1,914 / 0.74 ratio110% standard$2,340 / 0.91 ratio
3 BR- 9 ZIPs
0.86-0.89ratio 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
9
3 BR- 4 ZIPs
0.90-0.94ratio range
Median FMR$2,127
Median Market$2,280
vs market-$153

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- 2 ZIPs
0.96ratio range
Median FMR$2,127
Median Market$2,215
vs market-$88

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

90% standard$1,914 / 0.86 ratio110% standard$2,340 / 1.06 ratio
3 BR- 16 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
16
3 BR- 4 ZIPs
1.02-1.04ratio range
Median FMR$2,127
Median Market$2,045
vs market+$82

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

90% standard$1,914 / 0.94 ratio110% standard$2,340 / 1.14 ratio
3 BR- 2 ZIPs
1.08-1.09ratio range
Median FMR$2,127
Median Market$1,960
vs market+$167

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

90% standard$1,914 / 0.98 ratio110% standard$2,340 / 1.19 ratio
3 BR- 1 ZIP
1.10ratio
FMR$2,127
Market$1,930
vs market+$197

FMR is above market; underwrite to market rent.

90% standard$1,914 / 0.99 ratio110% standard$2,340 / 1.21 ratio
3 BR- 1 ZIP
1.21ratio
FMR$2,127
Market$1,760
vs market+$367

FMR is above market; underwrite to market rent.

90% standard$1,914 / 1.09 ratio110% standard$2,340 / 1.33 ratio
0.78-1.21
4 BR
4 BR- 1 ZIP
0.71ratio
FMR$2,296
Market$3,230
vs market-$934

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

90% standard$2,066 / 0.64 ratio110% standard$2,526 / 0.78 ratio
4 BR- 2 ZIPs
0.74-0.77ratio range
Median FMR$2,296
Median Market$3,035
vs market-$739

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

90% standard$2,066 / 0.68 ratio110% standard$2,526 / 0.83 ratio
4 BR- 8 ZIPs
0.77-0.81ratio range
Median FMR$2,296
Median Market$2,845
vs market-$549

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

90% standard$2,066 / 0.73 ratio110% standard$2,526 / 0.89 ratio
8
4 BR- 4 ZIPs
0.82-0.83ratio range
Median FMR$2,296
Median Market$2,785
vs market-$489

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- 3 ZIPs
0.86-0.87ratio range
Median FMR$2,296
Median Market$2,660
vs market-$364

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

90% standard$2,066 / 0.78 ratio110% standard$2,526 / 0.95 ratio
4 BR- 5 ZIPs
0.91-0.94ratio 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
4 BR- 4 ZIPs
0.95-0.98ratio range
Median FMR$2,296
Median Market$2,405
vs market-$109

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

90% standard$2,066 / 0.86 ratio110% standard$2,526 / 1.05 ratio
4 BR- 3 ZIPs
0.98-1.01ratio range
Median FMR$2,296
Median Market$2,340
vs market-$44

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

90% standard$2,066 / 0.88 ratio110% standard$2,526 / 1.08 ratio
4 BR- 14 ZIPs
1.02-1.06ratio 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
14
4 BR- 1 ZIP
1.07ratio
FMR$2,296
Market$2,140
vs market+$156

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

90% standard$2,066 / 0.97 ratio110% standard$2,526 / 1.18 ratio
4 BR- 3 ZIPs
1.10-1.12ratio range
Median FMR$2,296
Median Market$2,050
vs market+$246

FMR is above market; underwrite to market rent.

90% standard$2,066 / 1.01 ratio110% standard$2,526 / 1.23 ratio
4 BR- 1 ZIP
1.20ratio
FMR$2,296
Market$1,920
vs market+$376

FMR is above market; underwrite to market rent.

90% standard$2,066 / 1.08 ratio110% standard$2,526 / 1.32 ratio
0.71-1.20
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 Hampden 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
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Hampden County, MA fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for Hampden County, 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 Hampden County, MA FMR, Hampden County, MA fair market rent, and Hampden 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 Hampden County, MA
Bedroom sizeHUD FMR
Studio$1,219
1 bedroom$1,382
2 bedroom$1,734
3 bedroom$2,127
4 bedroom$2,296
01001 FMR01008 FMR01009 FMR01010 FMR01011 FMR01013 FMR01014 FMR01020 FMR