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Barnstable County/Cummaquid/02637

02637

ZIPSAFMR
Barnstable County, MA
Zillow

ZIP Investment Score

44Below average

095130300
BRFMR
Eff. Rent
0 BR$2,360$1,850
1 BR$2,380$2,410
2 BR$3,110$2,510
3 BR$3,910$3,000
4 BR$4,650$3,110
5 BR$5,348Not available
6 BR$6,150Not available
7 BR$7,072Not available
8 BR$8,133Not available

Purchase Price Calculator

Maximum purchase price
$311,068

Cost breakdown

+Likely effective rent$2,510
HUD FMR$3,110
Market rentUsed$2,510
Est. payment standard (90%)$2,800
-Principal and interest-$1,573
Loan amount$248,855
Down payment$62,214
Rate6.50%
Term30 years
-Operating costs-$737
Property taxes-$311
Insurance-$175
Utilities$0
HOA$0
Management-$251
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,034(64.3% ROI)
Projected value
$334,987
Return breakdown
Property appreciation+$23,918
Loan principal paid down+$8,916
Rental cash flow+$7,200
5-year hold
+$68,776(110.5% ROI)
Projected value
$351,945
Return breakdown
Property appreciation+$40,877
Loan principal paid down+$15,899
Rental cash flow+$12,000
10-year hold
+$149,011(239.5% ROI)
Projected value
$398,194
Return breakdown
Property appreciation+$87,125
Loan principal paid down+$37,885
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.28
1 BR
0.98
2 BR
1.24
3 BR
1.30
4 BR
1.50
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 02637 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 02637 (Cummaquid, MA) is $3,110 a month. That is up 5.8% from $2,940 in FY 2026. Cummaquid is in the Barnstable Town, MA MSA. 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 $2,488. Among 56 ZIP codes in Barnstable County, 02637 has the 4th-highest two-bedroom rent (county range $2,180–$3,560). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 02637 is 40% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 02637
BedroomsFY 2027Change90–110% range
Studio$2,360+5.8%$2,124–$2,596
1BR$2,380+6.3%$2,142–$2,618
2BR$3,110+5.8%$2,799–$3,421
3BR$3,910+7.7%$3,519–$4,301
4BR$4,650+11.8%$4,185–$5,115

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 02637
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,360$2,380$3,110$3,910$4,650
FY 2026$2,230$2,240$2,940$3,630$4,160
FY 2025$2,070$2,130$2,790$3,430$3,940
FY 2024$1,740$1,860$2,430$2,970$3,390
FY 2023$1,640$1,810$2,390$2,920$3,250

Two-bedroom rent in nearby Barnstable County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 02637
02630$3,560+14.5%
02631$2,390−23.2%
02632$3,310+6.4%
02633$2,280−26.7%
02634$2,490−19.9%
02635$2,920−6.1%
02637Current$3,110—
02638$2,200−29.3%
02639$2,220−28.6%
02641$2,360−24.1%
02642$2,480−20.3%
02643$2,270−27.0%

Questions about ZIP 02637 rents

How much will Section 8 pay for a two-bedroom in ZIP 02637?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,488, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,239 to $2,737 a month; under the ZIP-level Small Area FMR of $3,110 it would be $2,799 to $3,421. 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 02637 in?

ZIP 02637 is in the Barnstable Town, MA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,488.

How much did fair market rent change in ZIP 02637 for FY 2027?

The two-bedroom FMR rose 5.8%, from $2,940 in FY 2026 to $3,110 in FY 2027. Since FY 2023 it has risen 30.1%.

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