01119
ZIPFMR
Hampden County, MA
BRFMR
Eff. Rent
0 BR$1,219$1,150
1 BR$1,382$1,340
2 BR$1,734$1,800
3 BR$2,127$2,340
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
$205,563

Cost breakdown

+Likely effective rent$1,800
HUD FMR$1,734
Market rent$1,840
Est. payment standard (104%)Used$1,800
Estimated payment standard is $1,800 (104% of FMR).
-Principal and interest-$1,039
Loan amount$164,450
Down payment$41,113
Rate6.50%
Term30 years
-Operating costs-$561
Property taxes-$206
Insurance-$175
Utilities$0
HOA$0
Management-$180
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,898(70.3% ROI)
Projected value
$221,369
Current value$205,563
Return breakdown
Property appreciation+$15,806
Loan principal paid down+$5,892
Rental cash flow+$7,200
5-year hold
+$49,519(120.4% ROI)
Projected value
$232,575
Current value$205,563
Return breakdown
Property appreciation+$27,013
Loan principal paid down+$10,507
Rental cash flow+$12,000
10-year hold
+$106,611(259.3% ROI)
Projected value
$263,138
Current value$205,563
Return breakdown
Property appreciation+$57,575
Loan principal paid down+$25,036
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
1.06ratio
FMR$1,219
Market$1,150
vs market+$69

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

90% standard$1,097 / 0.95 ratio110% standard$1,341 / 1.17 ratio
1.06
1 BR
1 BR
1.03ratio
FMR$1,382
Market$1,340
vs market+$42

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

90% standard$1,244 / 0.93 ratio110% standard$1,520 / 1.13 ratio
1.03
2 BR
2 BR
0.94ratio
FMR$1,734
Market$1,840
vs market-$106

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

90% standard$1,561 / 0.85 ratio110% standard$1,907 / 1.04 ratio
0.94
3 BR
3 BR
0.84ratio
FMR$2,127
Market$2,540
vs market-$413

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

90% standard$1,914 / 0.75 ratio110% standard$2,340 / 0.92 ratio
0.84
4 BR
4 BR
0.81ratio
FMR$2,296
Market$2,830
vs market-$534

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

90% standard$2,066 / 0.73 ratio110% standard$2,526 / 0.89 ratio
0.81
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 01119 (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.

01119 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 01119 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 01119 FMR, 01119 fair market rent, and 01119 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 01119
Bedroom sizeHUD FMR
Studio$1,219
1 bedroom$1,382
2 bedroom$1,734
3 bedroom$2,127
4 bedroom$2,296