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Middlesex County/Dracut/01826

01826

ZIPSAFMR
Middlesex County, MA
Zillow

ZIP Investment Score

63Below average

095130300
BRFMR
Eff. Rent
0 BR$1,660$1,600
1 BR$1,840$1,940
2 BR$2,390$2,410
3 BR$2,890$2,980
4 BR$3,140$3,220
5 BR$3,611Not available
6 BR$4,153Not available
7 BR$4,776Not available
8 BR$5,492Not available

Purchase Price Calculator

Maximum purchase price
$296,209

Cost breakdown

+Likely effective rent$2,410
HUD FMR$2,390
Market rent$2,420
Est. payment standard (101%)Used$2,410
-Principal and interest-$1,498
Loan amount$236,967
Down payment$59,242
Rate6.50%
Term30 years
-Operating costs-$712
Property taxes-$296
Insurance-$175
Utilities$0
HOA$0
Management-$241
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,466(64.9% ROI)
Projected value
$318,984
Return breakdown
Property appreciation+$22,776
Loan principal paid down+$8,490
Rental cash flow+$7,200
5-year hold
+$66,064(111.5% ROI)
Projected value
$335,133
Return breakdown
Property appreciation+$38,924
Loan principal paid down+$15,140
Rental cash flow+$12,000
10-year hold
+$143,039(241.4% ROI)
Projected value
$379,172
Return breakdown
Property appreciation+$82,963
Loan principal paid down+$36,076
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.04
1 BR
0.92
2 BR
0.99
3 BR
0.95
4 BR
0.96
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 01826 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 01826 (Dracut, MA) is $2,390 a month. That is up 2.6% from $2,330 in FY 2026. Dracut 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, 01826 has the 102nd-highest two-bedroom rent (county range $2,240–$4,510). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 01826 is 8% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 01826
BedroomsFY 2027Change90–110% range
Studio$1,660+3.1%$1,494–$1,826
1BR$1,840+3.4%$1,656–$2,024
2BR$2,390+2.6%$2,151–$2,629
3BR$2,890+3.6%$2,601–$3,179
4BR$3,140+1.9%$2,826–$3,454

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 01826
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,660$1,840$2,390$2,890$3,140
FY 2026$1,610$1,780$2,330$2,790$3,080
FY 2025$1,520$1,690$2,220$2,670$2,940
FY 2024$1,370$1,510$1,990$2,410$2,650
FY 2023$1,340$1,490$1,950$2,370$2,620

Two-bedroom rent in nearby Middlesex County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 01826
01801$3,280+37.2%
01803$3,580+49.8%
01810$3,070+28.5%
01821$3,050+27.6%
01822$2,980+24.7%
01824$2,930+22.6%
01826Current$2,390—
01827$2,360−1.3%
01850$2,240−6.3%
01851$2,440+2.1%
01852$2,280−4.6%
01853$2,980+24.7%

Questions about ZIP 01826 rents

How much will Section 8 pay for a two-bedroom in ZIP 01826?

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 $2,390 it would be $2,151 to $2,629. 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 01826 in?

ZIP 01826 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 01826 for FY 2027?

The two-bedroom FMR rose 2.6%, from $2,330 in FY 2026 to $2,390 in FY 2027. Since FY 2023 it has risen 22.6%.

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