HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Hampden County, Massachusetts (FY 2027)
$1,800 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Hampden County, and it's the baseline every voucher in Hampden is measured against.
Two-bedroom FMR
$1,800
+3.8% from FY 2026
Payment standard
$1,620–$1,980
90% to 110% of the FMR, two-bedroom
Income to afford
$72,000
a year, with rent at 30% of income
Rank in Massachusetts
13th of 14
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $1,264 | $1,138–$1,390 | $50,560 | $24.31/hr | +3.7% |
| 1 bedroom | $1,421 | $1,279–$1,563 | $56,840 | $27.33/hr | +2.8% |
| 2 bedroom | $1,800 | $1,620–$1,980 | $72,000 | $34.62/hr | +3.8% |
| 3 bedroom | $2,241 | $2,017–$2,465 | $89,640 | $43.10/hr | +5.4% |
| 4 bedroom | $2,370 | $2,133–$2,607 | $94,800 | $45.58/hr | +3.2% |
Five to eight bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $2,726 | $2,453–$2,999 |
| 6 bedroom Estimate | $3,081 | $2,773–$3,389 |
| 7 bedroom Estimate | $3,437 | $3,093–$3,781 |
| 8 bedroom Estimate | $3,792 | $3,413–$4,171 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Hampden actually rent for?
Search any address in Hampden for a rent estimate built from nearby comps, with the HUD figure right next to it.
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What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Hampden somewhere between $1,620 and $1,980. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,800 a month is affordable, by HUD's 30% rule, on an income of roughly $72,000 a year. Put another way, $35 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$1,620 | Voucher pays at 100%$1,800 | Voucher pays at 110%$1,980 |
|---|---|---|---|---|
| $2,500 | $750 | $870 | $1,050 | $1,230 |
| $4,000 | $1,200 | $420 | $600 | $780 |
Rate history
The two-bedroom rate went up 4% from FY 2026 ($1,734) to FY 2027 ($1,800). Since FY 2020 it's up 61% in total, about 7.1% a year. The Massachusetts median held flat over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $737 | $875 | $1,115 | $1,389 | $1,611 | — |
| FY 2021 | $745 | $891 | $1,129 | $1,404 | $1,648 | +1.3% |
| FY 2022 | $727 | $874 | $1,094 | $1,353 | $1,623 | -3.1% |
| FY 2023 | $818 | $987 | $1,223 | $1,497 | $1,799 | +11.8% |
| FY 2024 | $934 | $1,115 | $1,375 | $1,669 | $1,954 | +12.4% |
| FY 2025 | $1,044 | $1,205 | $1,496 | $1,823 | $2,037 | +8.8% |
| FY 2026 | $1,219 | $1,382 | $1,734 | $2,127 | $2,296 | +15.9% |
| FY 2027In effect | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 | +3.8% |
About this rate
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2027 that's October 1, 2026 through September 30, 2027. In Hampden, that runs from $1,264 for a studio up to $2,370 for four bedrooms, all five rates in the table above.
Hampden is its own HUD metro area (Springfield, MA), so the rate here is set from rents inside the county rather than a wider region.
Among Massachusetts's 14 counties, Hampden ranks 13th for two-bedroom FMR. That's about 21% below the state median of $2,273 and about 69% above the national median county at $1,063. About 462,815 people live here, 8th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,570 in 01008 (Blandford) and $2,700 in 01034 (Granville), with the 51 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 01001 | Agawam | $1,930 | +7.2% |
| 01008 | Blandford | $1,570 | -12.8% |
| 01009 | Bondsville | $1,870 | +3.9% |
| 01010 | Brimfield | $1,570 | -12.8% |
| 01011 | Chester | $1,810 | +0.6% |
| 01013 | Chicopee | $1,650 | -8.3% |
| 01014 | Chicopee | $1,790 | -0.6% |
| 01020 | Chicopee | $1,800 | 0.0% |
| 01021 | Chicopee | $1,790 | -0.6% |
| 01022 | Chicopee | $2,580 | +43.3% |
| 01028 | East Longmeadow | $2,050 | +13.9% |
| 01030 | Feeding Hills | $1,750 | -2.8% |
| 01034 | Granville | $2,700 | +50.0% |
| 01036 | Hampden | $1,750 | -2.8% |
| 01040 | Holyoke | $1,800 | 0.0% |
| 01041 | Holyoke | $1,790 | -0.6% |
| 01056 | Ludlow | $1,800 | 0.0% |
| 01057 | Monson | $1,570 | -12.8% |
| 01069 | Palmer | $1,810 | +0.6% |
| 01071 | Russell | $1,570 | -12.8% |
| 01077 | Southwick | $1,870 | +3.9% |
| 01079 | Thorndike | $1,580 | -12.2% |
| 01080 | Three Rivers | $1,690 | -6.1% |
| 01081 | Wales | $1,960 | +8.9% |
| 01085 | Westfield | $1,810 | +0.6% |
| 01086 | Westfield | $1,790 | -0.6% |
| 01089 | West Springfield | $1,640 | -8.9% |
| 01090 | West Springfield | $1,790 | -0.6% |
| 01095 | Wilbraham | $1,790 | -0.6% |
| 01097 | Woronoco | $1,570 | -12.8% |
| 01101 | Springfield | $1,790 | -0.6% |
| 01102 | Springfield | $1,800County rate | — |
| 01103 | Springfield | $2,140 | +18.9% |
| 01104 | Springfield | $1,960 | +8.9% |
| 01105 | Springfield | $1,590 | -11.7% |
| 01106 | Longmeadow | $2,700 | +50.0% |
| 01107 | Springfield | $1,870 | +3.9% |
| 01108 | Springfield | $1,860 | +3.3% |
| 01109 | Springfield | $1,900 | +5.6% |
| 01111 | Springfield | $1,790 | -0.6% |
Rates by town
Massachusetts publishes Fair Market Rents town by town instead of by county. All 23 towns in Hampden County share the same rate for FY 2027, so the county number is the town number wherever you are.
| Town | Population | Studio | 1 BR | 2 BR | 3 BR | 4 BR |
|---|---|---|---|---|---|---|
| Springfield city | 154,749 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Chicopee city | 55,295 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Westfield city | 40,378 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Holyoke city | 37,813 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| West Springfield Town city | 28,772 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Agawam Town city | 28,539 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Ludlow town | 20,904 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| East Longmeadow town | 16,425 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Longmeadow town | 15,696 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Wilbraham town | 14,572 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Palmer Town city | 12,381 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Southwick town | 9,217 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Monson town | 8,136 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Hampden town | 4,946 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Brimfield town | 3,705 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Holland town | 2,583 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Wales town | 1,929 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Granville town | 1,846 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Chester town | 1,240 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Russell town | 1,197 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Blandford town | 1,156 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Montgomery town | 796 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
| Tolland town | 540 | $1,264 | $1,421 | $1,800 | $2,241 | $2,370 |
Nearby counties
Two-bedroom FMR, with how each compares to Hampden.
Hampshire County
16 mi · 162,028 people
$2,034
+13%
Franklin County
31 mi · 70,944 people
$1,882
+5%
Berkshire County
36 mi · 129,430 people
$1,726
-4%
Worcester County
39 mi · 867,788 people
$2,057
+14%
Middlesex County
69 mi · 1,638,365 people
$2,884
+60%
Norfolk County
72 mi · 730,082 people
$3,004
+67%
Bristol County
79 mi · 582,270 people
$1,928
+7%
Suffolk County
79 mi · 785,121 people
$3,008
+67%
Questions people ask
$1,800 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $1,264 for a studio, $1,421 for one bedroom, $2,241 for three and $2,370 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
Payment standard and tenant share for a specific rent
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords
Rent affordability calculator
The income a household needs for a given rent
What does a rental in Hampden actually go for?
HUD's number is one input. Search any address in Hampden for a rent estimate built from nearby comps. Free to start, no card.
Free tier. No credit card.