01109
ZIPFMR
Hampden County, MA
BRFMR
Eff. Rent
0 BR$1,219$1,190
1 BR$1,382$1,350
2 BR$1,734$1,730
3 BR$2,127$2,320
4 BR$2,296$2,530
5 BR$2,640
6 BR$3,036
7 BR$3,492
8 BR$4,016

Purchase Price Calculator

Maximum purchase price
$195,161

Cost breakdown

+Likely effective rent$1,730
HUD FMR$1,734
Market rentUsed$1,730
Est. payment standard (100%)$1,730
Market rent is below the inferred standard ($1,730, 100% of FMR).
-Principal and interest-$987
Loan amount$156,129
Down payment$39,032
Rate6.50%
Term30 years
-Operating costs-$543
Property taxes-$195
Insurance-$175
Utilities$0
HOA$0
Management-$173
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,800(71.2% ROI)
Projected value
$210,167
Current value$195,161
Return breakdown
Property appreciation+$15,006
Loan principal paid down+$5,594
Rental cash flow+$7,200
5-year hold
+$47,621(122.0% ROI)
Projected value
$220,807
Current value$195,161
Return breakdown
Property appreciation+$25,646
Loan principal paid down+$9,975
Rental cash flow+$12,000
10-year hold
+$102,430(262.4% ROI)
Projected value
$249,822
Current value$195,161
Return breakdown
Property appreciation+$54,662
Loan principal paid down+$23,769
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
1.02ratio
FMR$1,219
Market$1,190
vs market+$29

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

90% standard$1,097 / 0.92 ratio110% standard$1,341 / 1.13 ratio
1.02
1 BR
1 BR
1.02ratio
FMR$1,382
Market$1,350
vs market+$32

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

90% standard$1,244 / 0.92 ratio110% standard$1,520 / 1.13 ratio
1.02
2 BR
2 BR
1.00ratio
FMR$1,734
Market$1,730
vs market+$4

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

90% standard$1,561 / 0.90 ratio110% standard$1,907 / 1.10 ratio
1.00
3 BR
3 BR
0.88ratio
FMR$2,127
Market$2,430
vs market-$303

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

90% standard$1,914 / 0.79 ratio110% standard$2,340 / 0.96 ratio
0.88
4 BR
4 BR
0.82ratio
FMR$2,296
Market$2,800
vs market-$504

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

90% standard$2,066 / 0.74 ratio110% standard$2,526 / 0.90 ratio
0.82
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 01109 (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.

01109 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 01109 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 01109 FMR, 01109 fair market rent, and 01109 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 01109
Bedroom sizeHUD FMR
Studio$1,219
1 bedroom$1,382
2 bedroom$1,734
3 bedroom$2,127
4 bedroom$2,296