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Worcester County/Holden/01520

01520

ZIPSAFMR
Worcester County, MA
Zillow

ZIP Investment Score

64Below average

095130300
BRFMR
Eff. Rent
0 BR$1,880$1,770
1 BR$1,890$2,070
2 BR$2,430$2,530
3 BR$3,040$2,960
4 BR$3,470$3,550
5 BR$3,990Not available
6 BR$4,589Not available
7 BR$5,277Not available
8 BR$6,069Not available

Purchase Price Calculator

Maximum purchase price
$314,040

Cost breakdown

+Likely effective rent$2,530
HUD FMR$2,430
Market rent$2,590
Est. payment standard (104%)Used$2,530
-Principal and interest-$1,588
Loan amount$251,232
Down payment$62,808
Rate6.50%
Term30 years
-Operating costs-$742
Property taxes-$314
Insurance-$175
Utilities$0
HOA$0
Management-$253
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,348(64.2% ROI)
Projected value
$338,187
Return breakdown
Property appreciation+$24,147
Loan principal paid down+$9,001
Rental cash flow+$7,200
5-year hold
+$69,319(110.4% ROI)
Projected value
$355,308
Return breakdown
Property appreciation+$41,267
Loan principal paid down+$16,051
Rental cash flow+$12,000
10-year hold
+$150,205(239.1% ROI)
Projected value
$401,998
Return breakdown
Property appreciation+$87,958
Loan principal paid down+$38,247
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.06
1 BR
0.88
2 BR
0.94
3 BR
1.03
4 BR
0.97
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 01520 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 01520 (Holden, MA) is $2,430 a month. That is down 0.8% from $2,450 in FY 2026. Holden is in the Fitchburg-Leominster, MA HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,900. Among 103 ZIP codes in Worcester County, 01520 has the 25th-highest two-bedroom rent (county range $1,440–$3,400). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 01520 is 9% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 01520
BedroomsFY 2027Change90–110% range
Studio$1,880−0.5%$1,692–$2,068
1BR$1,890−0.5%$1,701–$2,079
2BR$2,430−0.8%$2,187–$2,673
3BR$3,0400.0%$2,736–$3,344
4BR$3,470+3.0%$3,123–$3,817

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 01520
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,880$1,890$2,430$3,040$3,470
FY 2026$1,890$1,900$2,450$3,040$3,370
FY 2025$1,690$1,700$2,190$2,680$2,950
FY 2024$1,490$1,500$1,930$2,330$2,570
FY 2023$1,450$1,490$1,920$2,340$2,580

Two-bedroom rent in nearby Worcester County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 01520
01515$1,860−23.5%
01516$2,120−12.8%
01518$1,860−23.5%
01519$2,810+15.6%
01520Current$2,430—
01522$2,070−14.8%
01523$3,190+31.3%
01524$1,860−23.5%
01525$1,980−18.5%
01526$1,980−18.5%
01527$2,090−14.0%
01529$2,040−16.0%

Questions about ZIP 01520 rents

How much will Section 8 pay for a two-bedroom in ZIP 01520?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,900, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,710 to $2,090 a month; under the ZIP-level Small Area FMR of $2,430 it would be $2,187 to $2,673. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 01520 in?

ZIP 01520 is in the Fitchburg-Leominster, MA HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,900.

How much did fair market rent change in ZIP 01520 for FY 2027?

The two-bedroom FMR fell 0.8%, from $2,450 in FY 2026 to $2,430 in FY 2027. Since FY 2023 it has risen 26.6%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentHolden, MA fair market rentMA statewide rentsWhat is SAFMR?Data sources