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Barnstable County/Osterville/02655

02655

ZIPSAFMR
Barnstable County, MA
Zillow

ZIP Investment Score

52Below average

095130300
BRFMR
Eff. Rent
0 BR$1,970$2,020
1 BR$1,980$2,070
2 BR$2,590$2,800
3 BR$3,250$3,390
4 BR$3,870$3,820
5 BR$4,451Not available
6 BR$5,118Not available
7 BR$5,886Not available
8 BR$6,769Not available

Purchase Price Calculator

Maximum purchase price
$354,162

Cost breakdown

+Likely effective rent$2,800
HUD FMR$2,590
Market rent$2,920
Est. payment standard (108%)Used$2,800
-Principal and interest-$1,791
Loan amount$283,330
Down payment$70,832
Rate6.50%
Term30 years
-Operating costs-$809
Property taxes-$354
Insurance-$175
Utilities$0
HOA$0
Management-$280
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$44,583(62.9% ROI)
Projected value
$381,394
Return breakdown
Property appreciation+$27,232
Loan principal paid down+$10,151
Rental cash flow+$7,200
5-year hold
+$76,642(108.2% ROI)
Projected value
$400,702
Return breakdown
Property appreciation+$46,540
Loan principal paid down+$18,102
Rental cash flow+$12,000
10-year hold
+$166,329(234.8% ROI)
Projected value
$453,358
Return breakdown
Property appreciation+$99,195
Loan principal paid down+$43,134
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.96
1 BR
0.93
2 BR
0.89
3 BR
0.94
4 BR
1.01
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 02655 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 02655 (Osterville, MA) is $2,590 a month. That is up 0.4% from $2,580 in FY 2026. Osterville 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, 02655 is tied for the 17th-highest two-bedroom rent (county range $2,180–$3,560). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 02655 is 17% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 02655
BedroomsFY 2027Change90–110% range
Studio$1,970+1.0%$1,773–$2,167
1BR$1,980+0.5%$1,782–$2,178
2BR$2,590+0.4%$2,331–$2,849
3BR$3,250+2.2%$2,925–$3,575
4BR$3,870+6.0%$3,483–$4,257

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 02655
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,970$1,980$2,590$3,250$3,870
FY 2026$1,950$1,970$2,580$3,180$3,650
FY 2025$1,760$1,810$2,380$2,920$3,360
FY 2024$1,460$1,550$2,040$2,490$2,840
FY 2023$1,340$1,490$1,960$2,400$2,670

Two-bedroom rent in nearby Barnstable County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 02655
02648$2,920+12.7%
02649$2,600+0.4%
02650$2,280−12.0%
02651$2,490−3.9%
02652$2,180−15.8%
02653$2,260−12.7%
02655Current$2,590—
02657$2,180−15.8%
02659$2,180−15.8%
02660$2,350−9.3%
02661$2,490−3.9%
02662$2,490−3.9%

Questions about ZIP 02655 rents

How much will Section 8 pay for a two-bedroom in ZIP 02655?

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 $2,590 it would be $2,331 to $2,849. 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 02655 in?

ZIP 02655 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 02655 for FY 2027?

The two-bedroom FMR rose 0.4%, from $2,580 in FY 2026 to $2,590 in FY 2027. Since FY 2023 it has risen 32.1%.

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