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02661

ZIPSAFMR
Barnstable County, MA
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,890$2,080
1 BR$1,900$2,090
2 BR$2,490$2,640
3 BR$3,120$3,160
4 BR$3,720$3,390
5 BR$4,278Not available
6 BR$4,920Not available
7 BR$5,658Not available
8 BR$6,506Not available

Purchase Price Calculator

Maximum purchase price
$330,386

Cost breakdown

+Likely effective rent$2,640
HUD FMR$2,490
Market rent$2,720
Est. payment standard (106%)Used$2,640
-Principal and interest-$1,671
Loan amount$264,309
Down payment$66,077
Rate6.50%
Term30 years
-Operating costs-$769
Property taxes-$330
Insurance-$175
Utilities$0
HOA$0
Management-$264
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$42,073(63.7% ROI)
Projected value
$355,790
Return breakdown
Property appreciation+$25,404
Loan principal paid down+$9,470
Rental cash flow+$7,200
5-year hold
+$72,302(109.4% ROI)
Projected value
$373,802
Return breakdown
Property appreciation+$43,415
Loan principal paid down+$16,887
Rental cash flow+$12,000
10-year hold
+$156,774(237.3% ROI)
Projected value
$422,923
Return breakdown
Property appreciation+$92,536
Loan principal paid down+$40,238
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.86
1 BR
0.82
2 BR
0.92
3 BR
0.98
4 BR
1.10
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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ZIP 02661 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 02661 (South Harwich, MA) is $2,490 a month. That is up 2.9% from $2,420 in FY 2026. South Harwich 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, 02661 is tied for the 24th-highest two-bedroom rent (county range $2,180–$3,560). The median county two-bedroom FMR in Massachusetts is $2,222, so ZIP 02661 is 12% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 02661
BedroomsFY 2027Change90–110% range
Studio$1,890+3.3%$1,701–$2,079
1BR$1,900+3.3%$1,710–$2,090
2BR$2,490+2.9%$2,241–$2,739
3BR$3,120+4.7%$2,808–$3,432
4BR$3,720+8.8%$3,348–$4,092

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 02661
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,890$1,900$2,490$3,120$3,720
FY 2026$1,830$1,840$2,420$2,980$3,420
FY 2025$1,740$1,790$2,350$2,880$3,310
FY 2024$1,480$1,580$2,080$2,540$2,890
FY 2023$1,400$1,550$2,040$2,500$2,780

Two-bedroom rent in nearby Barnstable County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 02661
02653$2,260−9.2%
02655$2,590+4.0%
02657$2,180−12.4%
02659$2,180−12.4%
02660$2,350−5.6%
02661Current$2,490—
02662$2,4900.0%
02663$2,180−12.4%
02664$2,580+3.6%
02666$2,180−12.4%
02667$2,180−12.4%
02668$3,200+28.5%

Questions about ZIP 02661 rents

How much will Section 8 pay for a two-bedroom in ZIP 02661?

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 $2,490 it would be $2,241 to $2,739. 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 02661 in?

ZIP 02661 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 02661 for FY 2027?

The two-bedroom FMR rose 2.9%, from $2,420 in FY 2026 to $2,490 in FY 2027. Since FY 2023 it has risen 22.1%.

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