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Essex County/Haverhill/01835

01835

ZIPSAFMR
Essex County, MA
Zillow

ZIP Investment Score

58Below average

095130300
BRFMR
Eff. Rent
0 BR$1,710$1,850
1 BR$1,840$2,020
2 BR$2,410$2,620
3 BR$2,870$2,740
4 BR$3,170$3,110
5 BR$3,645Not available
6 BR$4,192Not available
7 BR$4,821Not available
8 BR$5,544Not available

Purchase Price Calculator

Maximum purchase price
$327,414

Cost breakdown

+Likely effective rent$2,620
HUD FMR$2,410
Market rent$2,730
Est. payment standard (109%)Used$2,620
-Principal and interest-$1,656
Loan amount$261,932
Down payment$65,483
Rate6.50%
Term30 years
-Operating costs-$764
Property taxes-$327
Insurance-$175
Utilities$0
HOA$0
Management-$262
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$41,759(63.8% ROI)
Projected value
$352,590
Return breakdown
Property appreciation+$25,175
Loan principal paid down+$9,384
Rental cash flow+$7,200
5-year hold
+$71,760(109.6% ROI)
Projected value
$370,439
Return breakdown
Property appreciation+$43,025
Loan principal paid down+$16,735
Rental cash flow+$12,000
10-year hold
+$155,580(237.6% ROI)
Projected value
$419,118
Return breakdown
Property appreciation+$91,704
Loan principal paid down+$39,876
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.89
1 BR
0.80
2 BR
0.88
3 BR
1.05
4 BR
1.02
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 01835 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 01835 (Haverhill, MA) is $2,410 a month. That is up 7.6% from $2,240 in FY 2026. Haverhill 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 56 ZIP codes in Essex County, 01835 has the 49th-highest two-bedroom rent (county range $2,080–$3,420). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 01835 is 8% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 01835
BedroomsFY 2027Change90–110% range
Studio$1,710+11.0%$1,539–$1,881
1BR$1,840+7.6%$1,656–$2,024
2BR$2,410+7.6%$2,169–$2,651
3BR$2,870+6.7%$2,583–$3,157
4BR$3,170+6.7%$2,853–$3,487

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 01835
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,710$1,840$2,410$2,870$3,170
FY 2026$1,540$1,710$2,240$2,690$2,970
FY 2025$1,280$1,420$1,860$2,240$2,470
FY 2024$1,260$1,440$1,860$2,260$2,480
FY 2023$1,160$1,340$1,730$2,110$2,320

Two-bedroom rent in nearby Essex County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 01835
01826$2,390−0.8%
01830$2,320−3.7%
01831$2,470+2.5%
01832$2,300−4.6%
01833$3,010+24.9%
01834$2,080−13.7%
01835Current$2,410—
01840$2,120−12.0%
01841$2,170−10.0%
01842$2,470+2.5%
01843$2,490+3.3%
01844$2,450+1.7%

Questions about ZIP 01835 rents

How much will Section 8 pay for a two-bedroom in ZIP 01835?

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 $2,410 it would be $2,169 to $2,651. 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 01835 in?

ZIP 01835 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 01835 for FY 2027?

The two-bedroom FMR rose 7.6%, from $2,240 in FY 2026 to $2,410 in FY 2027. Since FY 2023 it has risen 39.3%.

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