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Middlesex County/Wayland/01778

01778

ZIPSAFMR
Middlesex County, MA
Zillow

ZIP Investment Score

40Below average

095130300
BRFMR
Eff. Rent
0 BR$2,300$2,250
1 BR$2,370$2,550
2 BR$2,830$3,110
3 BR$3,370$3,600
4 BR$3,720$4,090
5 BR$4,278Not available
6 BR$4,920Not available
7 BR$5,658Not available
8 BR$6,506Not available

Purchase Price Calculator

Maximum purchase price
$400,228

Cost breakdown

+Likely effective rent$3,110
HUD FMR$2,830
Market rent$3,480
Est. payment standard (110%)Used$3,110
-Principal and interest-$2,024
Loan amount$320,183
Down payment$80,046
Rate6.50%
Term30 years
-Operating costs-$886
Property taxes-$400
Insurance-$175
Utilities$0
HOA$0
Management-$311
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$49,445(61.8% ROI)
Projected value
$431,002
Return breakdown
Property appreciation+$30,774
Loan principal paid down+$11,471
Rental cash flow+$7,200
5-year hold
+$85,050(106.3% ROI)
Projected value
$452,822
Return breakdown
Property appreciation+$52,593
Loan principal paid down+$20,457
Rental cash flow+$12,000
10-year hold
+$184,842(230.9% ROI)
Projected value
$512,326
Return breakdown
Property appreciation+$112,098
Loan principal paid down+$48,744
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.02
1 BR
0.90
2 BR
0.81
3 BR
0.91
4 BR
0.78
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 01778 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 01778 (Wayland, MA) is $2,830 a month. That is down 5.4% from $2,990 in FY 2026. Wayland is in the Boston-Cambridge-Quincy, MA-NH 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 $3,008. Among 107 ZIP codes in Middlesex County, 01778 has the 71st-highest two-bedroom rent (county range $2,240–$4,510). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 01778 is 27% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 01778
BedroomsFY 2027Change90–110% range
Studio$2,300−4.2%$2,070–$2,530
1BR$2,370−6.0%$2,133–$2,607
2BR$2,830−5.4%$2,547–$3,113
3BR$3,370−6.1%$3,033–$3,707
4BR$3,720−6.1%$3,348–$4,092

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 01778
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,300$2,370$2,830$3,370$3,720
FY 2026$2,400$2,520$2,990$3,590$3,960
FY 2025$2,430$2,570$3,050$3,670$4,040
FY 2024$2,620$2,820$3,350$4,050$4,460
FY 2023$2,310$2,510$3,010$3,660$4,040

Two-bedroom rent in nearby Middlesex County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 01778
01749$2,650−6.4%
01752$2,650−6.4%
01754$2,650−6.4%
01760$2,990+5.7%
01770$3,110+9.9%
01773$3,060+8.1%
01775$2,650−6.4%
01776$3,200+13.1%
01778Current$2,830—
01784$3,050+7.8%
01801$3,280+15.9%
01803$3,580+26.5%

Questions about ZIP 01778 rents

How much will Section 8 pay for a two-bedroom in ZIP 01778?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $3,008, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,707 to $3,309 a month; under the ZIP-level Small Area FMR of $2,830 it would be $2,547 to $3,113. 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 01778 in?

ZIP 01778 is in the Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $3,008.

How much did fair market rent change in ZIP 01778 for FY 2027?

The two-bedroom FMR fell 5.4%, from $2,990 in FY 2026 to $2,830 in FY 2027. Since FY 2023 it has fallen 6.0%.

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