01151
ZIPFMR
Hampden County, MA
BRFMR
Eff. Rent
0 BR$1,219$1,330
1 BR$1,382$1,440
2 BR$1,734$1,720
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
$193,675

Cost breakdown

+Likely effective rent$1,720
HUD FMR$1,734
Market rentUsed$1,720
Est. payment standard (99%)$1,720
Market rent is below the inferred standard ($1,720, 99% of FMR).
-Principal and interest-$979
Loan amount$154,940
Down payment$38,735
Rate6.50%
Term30 years
-Operating costs-$541
Property taxes-$194
Insurance-$175
Utilities$0
HOA$0
Management-$172
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,643(71.4% ROI)
Projected value
$208,567
Current value$193,675
Return breakdown
Property appreciation+$14,892
Loan principal paid down+$5,551
Rental cash flow+$7,200
5-year hold
+$47,350(122.2% ROI)
Projected value
$219,125
Current value$193,675
Return breakdown
Property appreciation+$25,450
Loan principal paid down+$9,899
Rental cash flow+$12,000
10-year hold
+$101,833(262.9% ROI)
Projected value
$247,920
Current value$193,675
Return breakdown
Property appreciation+$54,245
Loan principal paid down+$23,588
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
0.88ratio
FMR$1,219
Market$1,390
vs market-$171

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

90% standard$1,097 / 0.79 ratio110% standard$1,341 / 0.96 ratio
0.88
1 BR
1 BR
0.94ratio
FMR$1,382
Market$1,470
vs market-$88

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

90% standard$1,244 / 0.85 ratio110% standard$1,520 / 1.03 ratio
0.94
2 BR
2 BR
1.01ratio
FMR$1,734
Market$1,720
vs market+$14

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

90% standard$1,561 / 0.91 ratio110% standard$1,907 / 1.11 ratio
1.01
3 BR
3 BR
0.87ratio
FMR$2,127
Market$2,450
vs market-$323

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

90% standard$1,914 / 0.78 ratio110% standard$2,340 / 0.95 ratio
0.87
4 BR
4 BR
0.82ratio
FMR$2,296
Market$2,810
vs market-$514

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 01151 (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.

01151 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 01151 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 01151 FMR, 01151 fair market rent, and 01151 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 01151
Bedroom sizeHUD FMR
Studio$1,219
1 bedroom$1,382
2 bedroom$1,734
3 bedroom$2,127
4 bedroom$2,296