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Middlesex County/Andover/01810

01810

ZIPSAFMR
Middlesex County, MA
Zillow

ZIP Investment Score

54Below average

095130300
BRFMR
Eff. Rent
0 BR$2,170$1,790
1 BR$2,350$2,490
2 BR$3,070$3,170
3 BR$3,660$4,030
4 BR$4,030$4,430
5 BR$4,635Not available
6 BR$5,330Not available
7 BR$6,129Not available
8 BR$7,048Not available

Purchase Price Calculator

Maximum purchase price
$409,144

Cost breakdown

+Likely effective rent$3,170
HUD FMR$3,070
Market rent$3,220
Est. payment standard (103%)Used$3,170
-Principal and interest-$2,069
Loan amount$327,315
Down payment$81,829
Rate6.50%
Term30 years
-Operating costs-$901
Property taxes-$409
Insurance-$175
Utilities$0
HOA$0
Management-$317
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$50,386(61.6% ROI)
Projected value
$440,604
Return breakdown
Property appreciation+$31,459
Loan principal paid down+$11,727
Rental cash flow+$7,200
5-year hold
+$86,677(105.9% ROI)
Projected value
$462,909
Return breakdown
Property appreciation+$53,765
Loan principal paid down+$20,912
Rental cash flow+$12,000
10-year hold
+$188,425(230.3% ROI)
Projected value
$523,739
Return breakdown
Property appreciation+$114,595
Loan principal paid down+$49,830
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.21
1 BR
0.92
2 BR
0.95
3 BR
0.82
4 BR
0.87
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 01810 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 01810 (Andover, MA) is $3,070 a month. That is up 4.4% from $2,940 in FY 2026. Andover 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, 01810 is tied for the 47th-highest two-bedroom rent (county range $2,240–$4,510). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 01810 is 38% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 01810
BedroomsFY 2027Change90–110% range
Studio$2,170+6.9%$1,953–$2,387
1BR$2,350+4.9%$2,115–$2,585
2BR$3,070+4.4%$2,763–$3,377
3BR$3,660+3.7%$3,294–$4,026
4BR$4,030+3.6%$3,627–$4,433

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 01810
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,170$2,350$3,070$3,660$4,030
FY 2026$2,030$2,240$2,940$3,530$3,890
FY 2025$1,770$1,970$2,580$3,110$3,420
FY 2024$1,710$1,960$2,530$3,070$3,370
FY 2023$1,570$1,820$2,350$2,860$3,160

Two-bedroom rent in nearby Middlesex County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 01810
01775$2,650−13.7%
01776$3,200+4.2%
01778$2,830−7.8%
01784$3,050−0.7%
01801$3,280+6.8%
01803$3,580+16.6%
01810Current$3,070—
01821$3,050−0.7%
01822$2,980−2.9%
01824$2,930−4.6%
01826$2,390−22.1%
01827$2,360−23.1%

Questions about ZIP 01810 rents

How much will Section 8 pay for a two-bedroom in ZIP 01810?

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 $3,070 it would be $2,763 to $3,377. 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 01810 in?

ZIP 01810 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 01810 for FY 2027?

The two-bedroom FMR rose 4.4%, from $2,940 in FY 2026 to $3,070 in FY 2027. Since FY 2023 it has risen 30.6%.

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