01952
ZIPFMR
Essex County, MA
BRFMR
Eff. Rent
0 BR$2,359$2,080
1 BR$2,476$2,370
2 BR$2,941$2,870
3 BR$3,526$3,340
4 BR$3,894$3,550
5 BR$4,478
6 BR$5,150
7 BR$5,922
8 BR$6,811

Purchase Price Calculator

Maximum purchase price
$364,564

Cost breakdown

+Likely effective rent$2,870
HUD FMR$2,941
Market rentUsed$2,870
Est. payment standard (98%)$2,890
Market rent is below the inferred standard ($2,890, 98% of FMR).
-Principal and interest-$1,843
Loan amount$291,651
Down payment$72,913
Rate6.50%
Term30 years
-Operating costs-$827
Property taxes-$365
Insurance-$175
Utilities$0
HOA$0
Management-$287
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,681(62.7% ROI)
Projected value
$392,596
Current value$364,564
Return breakdown
Property appreciation+$28,032
Loan principal paid down+$10,449
Rental cash flow+$7,200
5-year hold
+$78,540(107.7% ROI)
Projected value
$412,471
Current value$364,564
Return breakdown
Property appreciation+$47,907
Loan principal paid down+$18,634
Rental cash flow+$12,000
10-year hold
+$170,509(233.9% ROI)
Projected value
$466,673
Current value$364,564
Return breakdown
Property appreciation+$102,109
Loan principal paid down+$44,401
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

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

Studio
Studio
1.13ratio
FMR$2,359
Market$2,080
vs market+$279

FMR is above market; underwrite to market rent.

90% standard$2,123 / 1.02 ratio110% standard$2,595 / 1.25 ratio
1.13
1 BR
1 BR
1.04ratio
FMR$2,476
Market$2,370
vs market+$106

FMR is near market; voucher and private rents are aligned.

90% standard$2,228 / 0.94 ratio110% standard$2,724 / 1.15 ratio
1.04
2 BR
2 BR
1.02ratio
FMR$2,941
Market$2,870
vs market+$71

FMR is near market; voucher and private rents are aligned.

90% standard$2,647 / 0.92 ratio110% standard$3,235 / 1.13 ratio
1.02
3 BR
3 BR
1.06ratio
FMR$3,526
Market$3,340
vs market+$186

FMR is near market; voucher and private rents are aligned.

90% standard$3,173 / 0.95 ratio110% standard$3,879 / 1.16 ratio
1.06
4 BR
4 BR
1.10ratio
FMR$3,894
Market$3,550
vs market+$344

FMR is near market; voucher and private rents are aligned.

90% standard$3,505 / 0.99 ratio110% standard$4,283 / 1.21 ratio
1.10
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit 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 01952 (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.

01952 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 01952 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 01952 FMR, 01952 fair market rent, and 01952 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 01952
Bedroom sizeHUD FMR
Studio$2,359
1 bedroom$2,476
2 bedroom$2,941
3 bedroom$3,526
4 bedroom$3,894