03109
ZIPFMR
Hillsborough County, NH
BRFMR
Eff. Rent
0 BR$1,467$1,610
1 BR$1,673$1,840
2 BR$2,127$2,290
3 BR$2,822$2,690
4 BR$3,001$2,830
5 BR$3,451
6 BR$3,969
7 BR$4,564
8 BR$5,249

Purchase Price Calculator

Maximum purchase price
$278,377

Cost breakdown

+Likely effective rent$2,290
HUD FMR$2,127
Market rent$2,380
Est. payment standard (108%)Used$2,290
Estimated payment standard is $2,290 (108% of FMR).
-Principal and interest-$1,408
Loan amount$222,701
Down payment$55,675
Rate6.50%
Term30 years
-Operating costs-$682
Property taxes-$278
Insurance-$175
Utilities$0
HOA$0
Management-$229
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,583(65.7% ROI)
Projected value
$299,781
Current value$278,377
Return breakdown
Property appreciation+$21,405
Loan principal paid down+$7,979
Rental cash flow+$7,200
5-year hold
+$62,809(112.8% ROI)
Projected value
$314,958
Current value$278,377
Return breakdown
Property appreciation+$36,581
Loan principal paid down+$14,228
Rental cash flow+$12,000
10-year hold
+$135,873(244.0% ROI)
Projected value
$356,346
Current value$278,377
Return breakdown
Property appreciation+$77,969
Loan principal paid down+$33,904
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
0.81ratio
FMR$1,467
Market$1,810
vs market-$343

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

90% standard$1,320 / 0.73 ratio110% standard$1,614 / 0.89 ratio
0.81
1 BR
1 BR
0.79ratio
FMR$1,673
Market$2,110
vs market-$437

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

90% standard$1,506 / 0.71 ratio110% standard$1,840 / 0.87 ratio
0.79
2 BR
2 BR
0.89ratio
FMR$2,127
Market$2,380
vs market-$253

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

90% standard$1,914 / 0.80 ratio110% standard$2,340 / 0.98 ratio
0.89
3 BR
3 BR
1.05ratio
FMR$2,822
Market$2,690
vs market+$132

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

90% standard$2,540 / 0.94 ratio110% standard$3,104 / 1.15 ratio
1.05
4 BR
4 BR
1.06ratio
FMR$3,001
Market$2,830
vs market+$171

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

90% standard$2,701 / 0.95 ratio110% standard$3,301 / 1.17 ratio
1.06
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 03109 (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.

03109 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 03109 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,127 and the 4 bedroom fair market rent is $3,001.

Use this page for searches like 03109 FMR, 03109 fair market rent, and 03109 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 03109
Bedroom sizeHUD FMR
Studio$1,467
1 bedroom$1,673
2 bedroom$2,127
3 bedroom$2,822
4 bedroom$3,001