01081
ZIPFMR
Hampden County, MA
BRFMR
Eff. Rent
0 BR$1,219$1,219
1 BR$1,382$1,382
2 BR$1,734$1,734
3 BR$2,127$2,127
4 BR$2,296$2,296
5 BR$2,640
6 BR$3,036
7 BR$3,492
8 BR$4,016

Purchase Price Calculator

Maximum purchase price
$195,755

Cost breakdown

+Likely effective rent$1,734
HUD FMRUsed$1,734
Market rentN/A
Est. payment standardN/A
HUD FMR fallback; market rent is unavailable.
-Principal and interest-$990
Loan amount$156,604
Down payment$39,151
Rate6.50%
Term30 years
-Operating costs-$544
Property taxes-$196
Insurance-$175
Utilities$0
HOA$0
Management-$173
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,862(71.2% ROI)
Projected value
$210,807
Current value$195,755
Return breakdown
Property appreciation+$15,052
Loan principal paid down+$5,611
Rental cash flow+$7,200
5-year hold
+$47,729(121.9% ROI)
Projected value
$221,479
Current value$195,755
Return breakdown
Property appreciation+$25,724
Loan principal paid down+$10,005
Rental cash flow+$12,000
10-year hold
+$102,669(262.2% ROI)
Projected value
$250,583
Current value$195,755
Return breakdown
Property appreciation+$54,828
Loan principal paid down+$23,841
Rental cash flow+$24,000

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Market Alignment

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

Historical
FY 2022-2026

Data freshness

FMR
FY2026
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 01081 (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.

01081 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 01081 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 01081 FMR, 01081 fair market rent, and 01081 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 01081
Bedroom sizeHUD FMR
Studio$1,219
1 bedroom$1,382
2 bedroom$1,734
3 bedroom$2,127
4 bedroom$2,296