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Hampshire County/Northampton/01060

01060

ZIPSAFMR
Hampshire County, MA
Zillow

ZIP Investment Score

53Below average

095130300
BRFMR
Eff. Rent
0 BR$1,640$1,800
1 BR$1,840$1,850
2 BR$2,350$2,430
3 BR$3,080$2,860
4 BR$3,200$3,280
5 BR$3,680Not available
6 BR$4,232Not available
7 BR$4,867Not available
8 BR$5,597Not available

Purchase Price Calculator

Maximum purchase price
$299,181

Cost breakdown

+Likely effective rent$2,430
HUD FMR$2,350
Market rent$2,480
Est. payment standard (104%)Used$2,430
-Principal and interest-$1,513
Loan amount$239,344
Down payment$59,836
Rate6.50%
Term30 years
-Operating costs-$717
Property taxes-$299
Insurance-$175
Utilities$0
HOA$0
Management-$243
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,779(64.8% ROI)
Projected value
$322,185
Return breakdown
Property appreciation+$23,004
Loan principal paid down+$8,575
Rental cash flow+$7,200
5-year hold
+$66,607(111.3% ROI)
Projected value
$338,495
Return breakdown
Property appreciation+$39,315
Loan principal paid down+$15,292
Rental cash flow+$12,000
10-year hold
+$144,233(241.0% ROI)
Projected value
$382,976
Return breakdown
Property appreciation+$83,796
Loan principal paid down+$36,437
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.80
1 BR
0.99
2 BR
0.95
3 BR
1.08
4 BR
0.96
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 01060 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 01060 (Northampton, MA) is $2,350 a month. That is up 4.0% from $2,260 in FY 2026. Northampton 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, 01060 is tied for the 8th-highest two-bedroom rent (county range $1,800–$3,050). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 01060 is 6% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 01060
BedroomsFY 2027Change90–110% range
Studio$1,640+5.1%$1,476–$1,804
1BR$1,840+3.4%$1,656–$2,024
2BR$2,350+4.0%$2,115–$2,585
3BR$3,080+9.2%$2,772–$3,388
4BR$3,200+4.9%$2,880–$3,520

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 01060
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,640$1,840$2,350$3,080$3,200
FY 2026$1,560$1,780$2,260$2,820$3,050
FY 2025$1,330$1,540$1,910$2,330$2,600
FY 2024$1,200$1,430$1,760$2,140$2,500
FY 2023$1,080$1,300$1,610$1,970$2,370

Two-bedroom rent in nearby Hampshire County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 01060
01050$1,920−18.3%
01053$2,550+8.5%
01059$2,100−10.6%
01060Current$2,350—
01061$2,100−10.6%
01062$1,950−17.0%
01063$2,3500.0%
01066$2,320−1.3%
01069$1,810−23.0%
01070$1,810−23.0%
01073$1,830−22.1%
01075$1,900−19.1%

Questions about ZIP 01060 rents

How much will Section 8 pay for a two-bedroom in ZIP 01060?

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 $2,350 it would be $2,115 to $2,585. 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 01060 in?

ZIP 01060 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 01060 for FY 2027?

The two-bedroom FMR rose 4.0%, from $2,260 in FY 2026 to $2,350 in FY 2027. Since FY 2023 it has risen 46.0%.

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