01040
ZIPFMR
Hampden County, MA
BRFMR
Eff. Rent
0 BR$1,219$1,290
1 BR$1,382$1,300
2 BR$1,734$1,760
3 BR$2,127$2,140
4 BR$2,296$2,140
5 BR$2,640
6 BR$3,036
7 BR$3,492
8 BR$4,016

Purchase Price Calculator

Maximum purchase price
$199,619

Cost breakdown

+Likely effective rent$1,760
HUD FMR$1,734
Market rent$1,780
Est. payment standard (102%)Used$1,760
Estimated payment standard is $1,760 (102% of FMR).
-Principal and interest-$1,009
Loan amount$159,695
Down payment$39,924
Rate6.50%
Term30 years
-Operating costs-$551
Property taxes-$200
Insurance-$175
Utilities$0
HOA$0
Management-$176
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,270(70.8% ROI)
Projected value
$214,968
Current value$199,619
Return breakdown
Property appreciation+$15,349
Loan principal paid down+$5,721
Rental cash flow+$7,200
5-year hold
+$48,434(121.3% ROI)
Projected value
$225,850
Current value$199,619
Return breakdown
Property appreciation+$26,232
Loan principal paid down+$10,203
Rental cash flow+$12,000
10-year hold
+$104,222(261.1% ROI)
Projected value
$255,529
Current value$199,619
Return breakdown
Property appreciation+$55,910
Loan principal paid down+$24,312
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
0.92ratio
FMR$1,219
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
0.92
1 BR
1 BR
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
1.06
2 BR
2 BR
0.97ratio
FMR$1,734
Market$1,780
vs market-$46

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

90% standard$1,561 / 0.88 ratio110% standard$1,907 / 1.07 ratio
0.97
3 BR
3 BR
0.99ratio
FMR$2,127
Market$2,140
vs market-$13

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

90% standard$1,914 / 0.89 ratio110% standard$2,340 / 1.09 ratio
0.99
4 BR
4 BR
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
1.07
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across 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 01040 (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.

01040 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 01040 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 01040 FMR, 01040 fair market rent, and 01040 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 01040
Bedroom sizeHUD FMR
Studio$1,219
1 bedroom$1,382
2 bedroom$1,734
3 bedroom$2,127
4 bedroom$2,296