02460
ZIPFMR
Middlesex County, MA
BRFMR
Eff. Rent
0 BR$2,359$2,230
1 BR$2,476$2,720
2 BR$2,941$3,190
3 BR$3,526$3,680
4 BR$3,894$4,280
5 BR$4,478
6 BR$5,150
7 BR$5,922
8 BR$6,811

Purchase Price Calculator

Maximum purchase price
$412,116

Cost breakdown

+Likely effective rent$3,190
HUD FMR$2,941
Market rent$3,320
Est. payment standard (108%)Used$3,190
Estimated payment standard is $3,190 (108% of FMR).
-Principal and interest-$2,084
Loan amount$329,693
Down payment$82,423
Rate6.50%
Term30 years
-Operating costs-$906
Property taxes-$412
Insurance-$175
Utilities$0
HOA$0
Management-$319
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$50,700(61.5% ROI)
Projected value
$443,804
Current value$412,116
Return breakdown
Property appreciation+$31,688
Loan principal paid down+$11,812
Rental cash flow+$7,200
5-year hold
+$87,220(105.8% ROI)
Projected value
$466,272
Current value$412,116
Return breakdown
Property appreciation+$54,155
Loan principal paid down+$21,064
Rental cash flow+$12,000
10-year hold
+$189,619(230.1% ROI)
Projected value
$527,544
Current value$412,116
Return breakdown
Property appreciation+$115,427
Loan principal paid down+$50,192
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
1.06ratio
FMR$2,359
Market$2,230
vs market+$129

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

90% standard$2,123 / 0.95 ratio110% standard$2,595 / 1.16 ratio
1.06
1 BR
1 BR
0.87ratio
FMR$2,476
Market$2,850
vs market-$374

FMR is below market; voucher rent may lag private rents.

90% standard$2,228 / 0.78 ratio110% standard$2,724 / 0.96 ratio
0.87
2 BR
2 BR
0.89ratio
FMR$2,941
Market$3,320
vs market-$379

FMR is below market; voucher rent may lag private rents.

90% standard$2,647 / 0.80 ratio110% standard$3,235 / 0.97 ratio
0.89
3 BR
3 BR
0.94ratio
FMR$3,526
Market$3,770
vs market-$244

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

90% standard$3,173 / 0.84 ratio110% standard$3,879 / 1.03 ratio
0.94
4 BR
4 BR
0.80ratio
FMR$3,894
Market$4,870
vs market-$976

FMR is below market; voucher rent may lag private rents.

90% standard$3,505 / 0.72 ratio110% standard$4,283 / 0.88 ratio
0.80
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 02460 (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.

02460 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 02460 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 02460 FMR, 02460 fair market rent, and 02460 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 02460
Bedroom sizeHUD FMR
Studio$2,359
1 bedroom$2,476
2 bedroom$2,941
3 bedroom$3,526
4 bedroom$3,894