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Hampshire County/Goshen/01032

01032

ZIPSAFMR
Hampshire County, MA
Zillow

ZIP Investment Score

74Below average

095130300
BRFMR
Eff. Rent
0 BR$1,540$1,540
1 BR$1,730$1,730
2 BR$2,210$2,210
3 BR$2,890$2,890
4 BR$3,010$3,010
5 BR$3,461Not available
6 BR$3,981Not available
7 BR$4,578Not available
8 BR$5,265Not available

Purchase Price Calculator

Maximum purchase price
$266,489

Cost breakdown

+Likely effective rent$2,210
HUD FMRUsed$2,210
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,348
Loan amount$213,191
Down payment$53,298
Rate6.50%
Term30 years
-Operating costs-$662
Property taxes-$266
Insurance-$175
Utilities$0
HOA$0
Management-$221
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,329(66.3% ROI)
Projected value
$286,979
Return breakdown
Property appreciation+$20,490
Loan principal paid down+$7,638
Rental cash flow+$7,200
5-year hold
+$60,640(113.8% ROI)
Projected value
$301,507
Return breakdown
Property appreciation+$35,019
Loan principal paid down+$13,621
Rental cash flow+$12,000
10-year hold
+$131,095(246.0% ROI)
Projected value
$341,128
Return breakdown
Property appreciation+$74,639
Loan principal paid down+$32,456
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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ZIP 01032 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 01032 (Goshen, MA) is $2,210 a month. That is up 0.5% from $2,200 in FY 2026. Goshen is in the Amherst Town-Northampton, MA MSA. 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 $2,034. Among 37 ZIP codes in Hampshire County, 01032 has the 11th-highest two-bedroom rent (county range $1,800–$3,050).

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 01032
BedroomsFY 2027Change90–110% range
Studio$1,540+1.3%$1,386–$1,694
1BR$1,7300.0%$1,557–$1,903
2BR$2,210+0.5%$1,989–$2,431
3BR$2,890+5.1%$2,601–$3,179
4BR$3,010+1.3%$2,709–$3,311

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 01032
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,540$1,730$2,210$2,890$3,010
FY 2026$1,520$1,730$2,200$2,750$2,970
FY 2025$1,190$1,380$1,710$2,080$2,330
FY 2024$1,050$1,260$1,550$1,880$2,200
FY 2023$910$1,100$1,360$1,670$2,000

Two-bedroom rent in nearby Hampshire County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 01032
01011$1,810−18.1%
01012$1,810−18.1%
01026$1,810−18.1%
01027$1,950−11.8%
01031$1,810−18.1%
01032Current$2,210—
01033$2,060−6.8%
01035$2,450+10.9%
01038$2,360+6.8%
01039$2,550+15.4%
01040$1,800−18.6%
01050$1,920−13.1%

Questions about ZIP 01032 rents

How much will Section 8 pay for a two-bedroom in ZIP 01032?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,034, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,831 to $2,237 a month; under the ZIP-level Small Area FMR of $2,210 it would be $1,989 to $2,431. 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 ZIP 01032 in?

ZIP 01032 is in the Amherst Town-Northampton, MA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,034.

How much did fair market rent change in ZIP 01032 for FY 2027?

The two-bedroom FMR rose 0.5%, from $2,200 in FY 2026 to $2,210 in FY 2027. Since FY 2023 it has risen 62.5%.

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

County fair market rentGoshen, MA fair market rentMA statewide rentsWhat is SAFMR?Data sources