01097
ZIPFMR
Hampden County, MA
BRFMR
Eff. Rent
0 BR$1,219$1,340
1 BR$1,382$1,520
2 BR$1,734$1,880
3 BR$2,127$2,120
4 BR$2,296$2,240
5 BR$2,640
6 BR$3,036
7 BR$3,492
8 BR$4,016

Purchase Price Calculator

Maximum purchase price
$217,451

Cost breakdown

+Likely effective rent$1,880
HUD FMR$1,734
Market rent$1,960
Est. payment standard (108%)Used$1,880
Estimated payment standard is $1,880 (108% of FMR).
-Principal and interest-$1,100
Loan amount$173,961
Down payment$43,490
Rate6.50%
Term30 years
-Operating costs-$580
Property taxes-$217
Insurance-$175
Utilities$0
HOA$0
Management-$188
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,153(69.3% ROI)
Projected value
$234,171
Current value$217,451
Return breakdown
Property appreciation+$16,720
Loan principal paid down+$6,233
Rental cash flow+$7,200
5-year hold
+$51,689(118.9% ROI)
Projected value
$246,026
Current value$217,451
Return breakdown
Property appreciation+$28,575
Loan principal paid down+$11,114
Rental cash flow+$12,000
10-year hold
+$111,388(256.1% ROI)
Projected value
$278,355
Current value$217,451
Return breakdown
Property appreciation+$60,905
Loan principal paid down+$26,484
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
0.74ratio
FMR$1,219
Market$1,650
vs market-$431

FMR is below market; voucher rent may lag private rents.

90% standard$1,097 / 0.66 ratio110% standard$1,341 / 0.81 ratio
0.74
1 BR
1 BR
0.85ratio
FMR$1,382
Market$1,620
vs market-$238

FMR is below market; voucher rent may lag private rents.

90% standard$1,244 / 0.77 ratio110% standard$1,520 / 0.94 ratio
0.85
2 BR
2 BR
0.88ratio
FMR$1,734
Market$1,960
vs market-$226

FMR is below market; voucher rent may lag private rents.

90% standard$1,561 / 0.80 ratio110% standard$1,907 / 0.97 ratio
0.88
3 BR
3 BR
1.00ratio
FMR$2,127
Market$2,120
vs market+$7

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

90% standard$1,914 / 0.90 ratio110% standard$2,340 / 1.10 ratio
1.00
4 BR
4 BR
1.02ratio
FMR$2,296
Market$2,240
vs market+$56

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

90% standard$2,066 / 0.92 ratio110% standard$2,526 / 1.13 ratio
1.02
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 01097 (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.

01097 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 01097 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 01097 FMR, 01097 fair market rent, and 01097 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 01097
Bedroom sizeHUD FMR
Studio$1,219
1 bedroom$1,382
2 bedroom$1,734
3 bedroom$2,127
4 bedroom$2,296