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Hampshire County/West Chesterfield/01084

01084

ZIPSAFMR
Hampshire County, MA
Zillow

ZIP Investment Score

50Below average

095130300
BRFMR
Eff. Rent
0 BR$1,250$1,250
1 BR$1,430$1,430
2 BR$1,810$1,810
3 BR$2,260$2,260
4 BR$2,440$2,440
5 BR$2,806Not available
6 BR$3,227Not available
7 BR$3,711Not available
8 BR$4,268Not available

Purchase Price Calculator

Maximum purchase price
$207,049

Cost breakdown

+Likely effective rent$1,810
HUD FMRUsed$1,810
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,047
Loan amount$165,639
Down payment$41,410
Rate6.50%
Term30 years
-Operating costs-$563
Property taxes-$207
Insurance-$175
Utilities$0
HOA$0
Management-$181
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,055(70.2% ROI)
Projected value
$222,969
Return breakdown
Property appreciation+$15,920
Loan principal paid down+$5,934
Rental cash flow+$7,200
5-year hold
+$49,791(120.2% ROI)
Projected value
$234,257
Return breakdown
Property appreciation+$27,208
Loan principal paid down+$10,583
Rental cash flow+$12,000
10-year hold
+$107,208(258.9% ROI)
Projected value
$265,040
Return breakdown
Property appreciation+$57,991
Loan principal paid down+$25,217
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 01084 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 01084 (West Chesterfield, MA) is $1,810 a month. That is up 17.5% from $1,540 in FY 2026. West Chesterfield 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, 01084 is tied for the 24th-highest two-bedroom rent (county range $1,800–$3,050). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 01084 is 19% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 01084
BedroomsFY 2027Change90–110% range
Studio$1,250+17.9%$1,125–$1,375
1BR$1,430+18.2%$1,287–$1,573
2BR$1,810+17.5%$1,629–$1,991
3BR$2,260+17.1%$2,034–$2,486
4BR$2,440+17.3%$2,196–$2,684

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 01084
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,250$1,430$1,810$2,260$2,440
FY 2026$1,060$1,210$1,540$1,930$2,080
FY 2025$880$1,010$1,260$1,530$1,760
FY 2024$870$1,040$1,280$1,550$1,810
FY 2023$790$950$1,180$1,450$1,740

Two-bedroom rent in nearby Hampshire County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 01084
01063$2,350+29.8%
01066$2,320+28.2%
01069$1,8100.0%
01070$1,8100.0%
01073$1,830+1.1%
01075$1,900+5.0%
01082$1,860+2.8%
01084Current$1,810—
01085$1,8100.0%
01088$2,370+30.9%
01096$2,150+18.8%
01098$1,8100.0%

Questions about ZIP 01084 rents

How much will Section 8 pay for a two-bedroom in ZIP 01084?

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 $1,810 it would be $1,629 to $1,991. 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 01084 in?

ZIP 01084 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 01084 for FY 2027?

The two-bedroom FMR rose 17.5%, from $1,540 in FY 2026 to $1,810 in FY 2027. Since FY 2023 it has risen 53.4%.

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