01003
ZIPFMR
Hampshire County, MA
BRFMR
Eff. Rent
0 BR$1,382$1,520
1 BR$1,580$1,740
2 BR$2,004$2,160
3 BR$2,504$2,750
4 BR$2,702$2,970
5 BR$3,107
6 BR$3,573
7 BR$4,109
8 BR$4,726

Purchase Price Calculator

Maximum purchase price
$259,059

Cost breakdown

+Likely effective rent$2,160
HUD FMR$2,004
Market rent$2,240
Est. payment standard (108%)Used$2,160
Estimated payment standard is $2,160 (108% of FMR).
-Principal and interest-$1,310
Loan amount$207,247
Down payment$51,812
Rate6.50%
Term30 years
-Operating costs-$650
Property taxes-$259
Insurance-$175
Utilities$0
HOA$0
Management-$216
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,544(66.7% ROI)
Projected value
$278,978
Current value$259,059
Return breakdown
Property appreciation+$19,919
Loan principal paid down+$7,425
Rental cash flow+$7,200
5-year hold
+$59,283(114.4% ROI)
Projected value
$293,101
Current value$259,059
Return breakdown
Property appreciation+$34,042
Loan principal paid down+$13,241
Rental cash flow+$12,000
10-year hold
+$128,109(247.3% ROI)
Projected value
$331,617
Current value$259,059
Return breakdown
Property appreciation+$72,558
Loan principal paid down+$31,551
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
0.82ratio
FMR$1,382
Market$1,690
vs market-$308

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

90% standard$1,244 / 0.74 ratio110% standard$1,520 / 0.90 ratio
0.82
1 BR
1 BR
0.84ratio
FMR$1,580
Market$1,880
vs market-$300

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

90% standard$1,422 / 0.76 ratio110% standard$1,738 / 0.92 ratio
0.84
2 BR
2 BR
0.89ratio
FMR$2,004
Market$2,240
vs market-$236

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

90% standard$1,804 / 0.81 ratio110% standard$2,204 / 0.98 ratio
0.89
3 BR
3 BR
0.86ratio
FMR$2,504
Market$2,900
vs market-$396

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

90% standard$2,254 / 0.78 ratio110% standard$2,754 / 0.95 ratio
0.86
4 BR
4 BR
0.73ratio
FMR$2,702
Market$3,680
vs market-$978

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

90% standard$2,432 / 0.66 ratio110% standard$2,972 / 0.81 ratio
0.73
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 01003 (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.

01003 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 01003 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,004 and the 4 bedroom fair market rent is $2,702.

Use this page for searches like 01003 FMR, 01003 fair market rent, and 01003 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 01003
Bedroom sizeHUD FMR
Studio$1,382
1 bedroom$1,580
2 bedroom$2,004
3 bedroom$2,504
4 bedroom$2,702