Suffolk County/Dorchester/02125

02125

ZIPSAFMR

Suffolk County, MA

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ZIP Investment Score

74Below average

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$2,130	$2,070	5.2%
1 BR	$2,230	$1,840	4.0%
2 BR	$2,650	$2,750	3.6%
3 BR	$3,180	$3,400	3.2%
4 BR	$3,510	$3,060	3.2%
5 BR	$4,036	Not available	3.2%
6 BR	$4,642	Not available	3.2%
7 BR	$5,338	Not available	3.2%
8 BR	$6,139	Not available	3.2%

Purchase Price Calculator

Maximum purchase price

$346,732

Cost breakdown

+Likely effective rent$2,750

HUD FMR$2,650

Market rent$2,800

Est. payment standard (104%)Used$2,750

-Principal and interest-$1,753

Loan amount$277,386

Down payment$69,346

Rate6.50%

Term30 years

-Operating costs-$797

Property taxes-$347

Insurance-$175

Utilities$0

HOA$0

Management-$275

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$43,799(63.2% ROI)

Projected value

$373,393

Return breakdown

Property appreciation+$26,660

Loan principal paid down+$9,938

Rental cash flow+$7,200

5-year hold

+$75,286(108.6% ROI)

Projected value

$392,296

Return breakdown

Property appreciation+$45,563

Loan principal paid down+$17,722

Rental cash flow+$12,000

10-year hold

+$163,343(235.5% ROI)

Projected value

$443,847

Return breakdown

Property appreciation+$97,114

Loan principal paid down+$42,229

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

1.03ratio

FMR$2,130

Market$2,070

vs market+$60

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

1.03

1 BR

1.21ratio

FMR$2,230

Market$1,840

vs market+$390

FMR is above market; underwrite to market rent.

1.21

2 BR

0.95ratio

FMR$2,650

Market$2,800

vs market-$150

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

0.95

3 BR

0.90ratio

FMR$3,180

Market$3,520

vs market-$340

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

0.90

4 BR

1.15ratio

FMR$3,510

Market$3,060

vs market+$450

FMR is above market; underwrite to market rent.

1.15

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 02125 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 02125 (Dorchester, MA) is $2,650 a month. That is up 3.5% from $2,560 in FY 2026. Dorchester 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 53 ZIP codes in Suffolk County, 02125 is tied for the 48th-highest two-bedroom rent (county range $2,650–$4,510). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 02125 is 19% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 02125
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$2,040	$2,130	+4.4%	$1,917–$2,343
1BR	$2,160	$2,230	+3.2%	$2,007–$2,453
2BR	$2,560	$2,650	+3.5%	$2,385–$2,915
3BR	$3,080	$3,180	+3.2%	$2,862–$3,498
4BR	$3,390	$3,510	+3.5%	$3,159–$3,861

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 02125
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$2,130	$2,230	$2,650	$3,180	$3,510
FY 2026	$2,040	$2,160	$2,560	$3,080	$3,390
FY 2025	$2,000	$2,140	$2,550	$3,080	$3,390
FY 2024	$1,830	$1,980	$2,380	$2,890	$3,190
FY 2023	$1,740	$1,890	$2,260	$2,750	$3,040

Two-bedroom rent in nearby Suffolk County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 02125
02119	$2,650	0.0%
02120	$2,870	+8.3%
02121	$2,650	0.0%
02122	$2,940	+10.9%
02123	$3,110	+17.4%
02124	$2,650	0.0%
02125Current	$2,650	—
02126	$2,650	0.0%
02127	$4,160	+57.0%
02128	$2,900	+9.4%
02129	$3,620	+36.6%
02130	$3,570	+34.7%

Questions about ZIP 02125 rents

How much will Section 8 pay for a two-bedroom in ZIP 02125?

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 $2,650 it would be $2,385 to $2,915. 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 02125 in?

ZIP 02125 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 02125 for FY 2027?

The two-bedroom FMR rose 3.5%, from $2,560 in FY 2026 to $2,650 in FY 2027. Since FY 2023 it has risen 17.3%.

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 rent Dorchester, MA fair market rent MA statewide rents What is SAFMR?Data sources