01850
ZIPFMR
Middlesex County, MA
BRFMR
Eff. Rent
0 BR$2,359$1,660
1 BR$2,476$2,020
2 BR$2,941$2,400
3 BR$3,526$2,960
4 BR$3,894$3,070
5 BR$4,478
6 BR$5,150
7 BR$5,922
8 BR$6,811

Purchase Price Calculator

Maximum purchase price
$294,723

Cost breakdown

+Likely effective rent$2,400
HUD FMR$2,941
Market rentUsed$2,400
Est. payment standard (90%)$2,650
Market rent is below the inferred standard ($2,650, 90% of FMR).
-Principal and interest-$1,490
Loan amount$235,778
Down payment$58,945
Rate6.50%
Term30 years
-Operating costs-$710
Property taxes-$295
Insurance-$175
Utilities$0
HOA$0
Management-$240
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,309(65.0% ROI)
Projected value
$317,384
Current value$294,723
Return breakdown
Property appreciation+$22,661
Loan principal paid down+$8,447
Rental cash flow+$7,200
5-year hold
+$65,793(111.6% ROI)
Projected value
$333,451
Current value$294,723
Return breakdown
Property appreciation+$38,729
Loan principal paid down+$15,064
Rental cash flow+$12,000
10-year hold
+$142,442(241.7% ROI)
Projected value
$377,270
Current value$294,723
Return breakdown
Property appreciation+$82,547
Loan principal paid down+$35,895
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.42ratio
FMR$2,359
Market$1,660
vs market+$699

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.28 ratio110% standard$2,595 / 1.56 ratio
1.42
1 BR
1 BR
1.23ratio
FMR$2,476
Market$2,020
vs market+$456

FMR is above market; underwrite to market rent.

90% standard$2,228 / 1.10 ratio110% standard$2,724 / 1.35 ratio
1.23
2 BR
2 BR
1.23ratio
FMR$2,941
Market$2,400
vs market+$541

FMR is above market; underwrite to market rent.

90% standard$2,647 / 1.10 ratio110% standard$3,235 / 1.35 ratio
1.23
3 BR
3 BR
1.19ratio
FMR$3,526
Market$2,960
vs market+$566

FMR is above market; underwrite to market rent.

90% standard$3,173 / 1.07 ratio110% standard$3,879 / 1.31 ratio
1.19
4 BR
4 BR
1.27ratio
FMR$3,894
Market$3,070
vs market+$824

FMR is above market; underwrite to market rent.

90% standard$3,505 / 1.14 ratio110% standard$4,283 / 1.40 ratio
1.27
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 01850 (MA) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled FMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

01850 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 01850 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,941 and the 4 bedroom fair market rent is $3,894.

Use this page for searches like 01850 FMR, 01850 fair market rent, and 01850 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 01850
Bedroom sizeHUD FMR
Studio$2,359
1 bedroom$2,476
2 bedroom$2,941
3 bedroom$3,526
4 bedroom$3,894