01432
ZIPFMR
Middlesex County, MA
BRFMR
Eff. Rent
0 BR$2,359$1,520
1 BR$2,476$1,960
2 BR$2,941$2,550
3 BR$3,526$3,090
4 BR$3,894$3,780
5 BR$4,478
6 BR$5,150
7 BR$5,922
8 BR$6,811

Purchase Price Calculator

Maximum purchase price
$317,012

Cost breakdown

+Likely effective rent$2,550
HUD FMR$2,941
Market rentUsed$2,550
Est. payment standard (91%)$2,690
Market rent is below the inferred standard ($2,690, 91% of FMR).
-Principal and interest-$1,603
Loan amount$253,610
Down payment$63,402
Rate6.50%
Term30 years
-Operating costs-$747
Property taxes-$317
Insurance-$175
Utilities$0
HOA$0
Management-$255
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,662(64.1% ROI)
Projected value
$341,388
Current value$317,012
Return breakdown
Property appreciation+$24,375
Loan principal paid down+$9,086
Rental cash flow+$7,200
5-year hold
+$69,861(110.2% ROI)
Projected value
$358,671
Current value$317,012
Return breakdown
Property appreciation+$41,658
Loan principal paid down+$16,203
Rental cash flow+$12,000
10-year hold
+$151,400(238.8% ROI)
Projected value
$405,803
Current value$317,012
Return breakdown
Property appreciation+$88,790
Loan principal paid down+$38,609
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.55ratio
FMR$2,359
Market$1,520
vs market+$839

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.40 ratio110% standard$2,595 / 1.71 ratio
1.55
1 BR
1 BR
1.26ratio
FMR$2,476
Market$1,960
vs market+$516

FMR is above market; underwrite to market rent.

90% standard$2,228 / 1.14 ratio110% standard$2,724 / 1.39 ratio
1.26
2 BR
2 BR
1.15ratio
FMR$2,941
Market$2,550
vs market+$391

FMR is above market; underwrite to market rent.

90% standard$2,647 / 1.04 ratio110% standard$3,235 / 1.27 ratio
1.15
3 BR
3 BR
1.14ratio
FMR$3,526
Market$3,090
vs market+$436

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.03 ratio110% standard$3,879 / 1.26 ratio
1.14
4 BR
4 BR
1.03ratio
FMR$3,894
Market$3,780
vs market+$114

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

90% standard$3,505 / 0.93 ratio110% standard$4,283 / 1.13 ratio
1.03
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 01432 (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.

01432 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 01432 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,941 and the 4 bedroom fair market rent is $3,894.

Use this page for searches like 01432 FMR, 01432 fair market rent, and 01432 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 01432
Bedroom sizeHUD FMR
Studio$2,359
1 bedroom$2,476
2 bedroom$2,941
3 bedroom$3,526
4 bedroom$3,894