03102
ZIPFMR
Merrimack County, NH
BRFMR
Eff. Rent
0 BR$1,361$1,480
1 BR$1,504$1,650
2 BR$1,974$2,060
3 BR$2,604$2,340
4 BR$2,614$2,790
5 BR$3,006
6 BR$3,457
7 BR$3,976
8 BR$4,572

Purchase Price Calculator

Maximum purchase price
$244,199

Cost breakdown

+Likely effective rent$2,060
HUD FMR$1,974
Market rent$2,100
Est. payment standard (104%)Used$2,060
Estimated payment standard is $2,060 (104% of FMR).
-Principal and interest-$1,235
Loan amount$195,359
Down payment$48,840
Rate6.50%
Term30 years
-Operating costs-$625
Property taxes-$244
Insurance-$175
Utilities$0
HOA$0
Management-$206
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,976(67.5% ROI)
Projected value
$262,975
Current value$244,199
Return breakdown
Property appreciation+$18,777
Loan principal paid down+$6,999
Rental cash flow+$7,200
5-year hold
+$56,571(115.8% ROI)
Projected value
$276,288
Current value$244,199
Return breakdown
Property appreciation+$32,090
Loan principal paid down+$12,482
Rental cash flow+$12,000
10-year hold
+$122,137(250.1% ROI)
Projected value
$312,595
Current value$244,199
Return breakdown
Property appreciation+$68,396
Loan principal paid down+$29,741
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
0.88ratio
FMR$1,361
Market$1,550
vs market-$189

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

90% standard$1,225 / 0.79 ratio110% standard$1,497 / 0.97 ratio
0.88
1 BR
1 BR
0.81ratio
FMR$1,504
Market$1,850
vs market-$346

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

90% standard$1,354 / 0.73 ratio110% standard$1,654 / 0.89 ratio
0.81
2 BR
2 BR
0.94ratio
FMR$1,974
Market$2,100
vs market-$126

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

90% standard$1,777 / 0.85 ratio110% standard$2,171 / 1.03 ratio
0.94
3 BR
3 BR
1.11ratio
FMR$2,604
Market$2,340
vs market+$264

FMR is above market; underwrite to market rent.

90% standard$2,344 / 1.00 ratio110% standard$2,864 / 1.22 ratio
1.11
4 BR
4 BR
0.91ratio
FMR$2,614
Market$2,880
vs market-$266

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

90% standard$2,353 / 0.82 ratio110% standard$2,875 / 1.00 ratio
0.91
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 03102 (NH) 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.

03102 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 03102 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,974 and the 4 bedroom fair market rent is $2,614.

Use this page for searches like 03102 FMR, 03102 fair market rent, and 03102 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 03102
Bedroom sizeHUD FMR
Studio$1,361
1 bedroom$1,504
2 bedroom$1,974
3 bedroom$2,604
4 bedroom$2,614