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Hampshire County/South Hadley/01075

01075

ZIPSAFMR
Hampshire County, MA
Zillow

ZIP Investment Score

65Below average

095130300
BRFMR
Eff. Rent
0 BR$1,320$1,360
1 BR$1,490$1,500
2 BR$1,900$1,850
3 BR$2,490$2,320
4 BR$2,590$2,270
5 BR$2,978Not available
6 BR$3,425Not available
7 BR$3,939Not available
8 BR$4,530Not available

Purchase Price Calculator

Maximum purchase price
$212,993

Cost breakdown

+Likely effective rent$1,850
HUD FMR$1,900
Market rentUsed$1,850
Est. payment standard (98%)$1,870
-Principal and interest-$1,077
Loan amount$170,394
Down payment$42,599
Rate6.50%
Term30 years
-Operating costs-$573
Property taxes-$213
Insurance-$175
Utilities$0
HOA$0
Management-$185
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,682(69.7% ROI)
Projected value
$229,370
Return breakdown
Property appreciation+$16,377
Loan principal paid down+$6,105
Rental cash flow+$7,200
5-year hold
+$50,876(119.4% ROI)
Projected value
$240,982
Return breakdown
Property appreciation+$27,989
Loan principal paid down+$10,887
Rental cash flow+$12,000
10-year hold
+$109,597(257.3% ROI)
Projected value
$272,649
Return breakdown
Property appreciation+$59,656
Loan principal paid down+$25,941
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.96
1 BR
0.99
2 BR
1.03
3 BR
1.07
4 BR
1.14
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 01075 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 01075 (South Hadley, MA) is $1,900 a month. That is up 1.1% from $1,880 in FY 2026. South Hadley 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, 01075 has the 21st-highest two-bedroom rent (county range $1,800–$3,050). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 01075 is 14% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 01075
BedroomsFY 2027Change90–110% range
Studio$1,320+1.5%$1,188–$1,452
1BR$1,490+0.7%$1,341–$1,639
2BR$1,900+1.1%$1,710–$2,090
3BR$2,490+6.0%$2,241–$2,739
4BR$2,590+2.0%$2,331–$2,849

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 01075
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,320$1,490$1,900$2,490$2,590
FY 2026$1,300$1,480$1,880$2,350$2,540
FY 2025$990$1,140$1,420$1,730$1,930
FY 2024$900$1,070$1,320$1,600$1,880
FY 2023$800$960$1,190$1,460$1,750

Two-bedroom rent in nearby Hampshire County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 01075
01061$2,100+10.5%
01062$1,950+2.6%
01063$2,350+23.7%
01066$2,320+22.1%
01069$1,810−4.7%
01070$1,810−4.7%
01073$1,830−3.7%
01075Current$1,900—
01082$1,860−2.1%
01084$1,810−4.7%
01085$1,810−4.7%
01088$2,370+24.7%

Questions about ZIP 01075 rents

How much will Section 8 pay for a two-bedroom in ZIP 01075?

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 $1,900 it would be $1,710 to $2,090. 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 01075 in?

ZIP 01075 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 01075 for FY 2027?

The two-bedroom FMR rose 1.1%, from $1,880 in FY 2026 to $1,900 in FY 2027. Since FY 2023 it has risen 59.7%.

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