FY2027 Small Area FMR · Worthington, MA

ZIP 01098 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 01098 (Worthington, MA) is $1,810 a month, up 34.1% from FY2026. That is 11% below the Amherst Town-Northampton, MA area-wide FMR of $2,034.

2-bedroom SAFMR$1,810per month ▲ 34.1%

Area-wide 2 BR FMR$2,034Amherst Town-Northampton, MA

Rank in the area24thof 36 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,629

2 BR Small Area FMR$1,810

110% of SAFMR$1,991

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$1,250▲ 33.0%

1 BR$1,430▲ 31.2%

2 BR$1,810▲ 34.1%

3 BR$2,260▲ 37.0%

4 BR$2,440▲ 32.6%

FY2027 FY2026

Where 01098 sits in the Amherst Town-Northampton, MA area

Of the 36 ZIP codes HUD lists for the area, 01098 has the 24th highest two-bedroom Small Area FMR. Amherst Town-Northampton, MA is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $2,034 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,810 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,250	$1,125 – $1,375	$1,416	$940
1 bedroom	$1,430	$1,287 – $1,573	$1,593	$1,090
2 bedrooms	$1,810	$1,629 – $1,991	$2,034	$1,350
3 bedrooms	$2,260	$2,034 – $2,486	$2,663	$1,650
4 bedrooms	$2,440	$2,196 – $2,684	$2,768	$1,840

A household renting a two-bedroom home at the Small Area FMR of $1,810 needs about $72,400 a year to keep housing costs at 30% of income. The area median family income is $124,400 and the 80% low-income limit for four people is $105,200. ZIP code 01098 lies mainly in Hampshire County. See the Amherst Town-Northampton, MA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
01084	West Chesterfield	3.1 mi	$1,810
01012	Chesterfield	4.5 mi	$1,810
01026	Cummington	5.1 mi	$1,810
01243	Middlefield	5.1 mi	$1,810
01235	Hinsdale	6.5 mi	$1,810
01011	Chester	7.3 mi	$1,810

Questions

What is the Fair Market Rent for ZIP code 01098?

HUD's FY2027 Small Area Fair Market Rents for 01098 are $1,250 (studio), $1,430 (1 BR), $1,810 (2 BR), $2,260 (3 BR) and $2,440 (4 BR) a month.

What is the Section 8 payment standard in 01098?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 01098 that range is $1,629 to $1,991 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 01098?

The FY2026 income limits of the Amherst Town-Northampton, MA area apply: median family income $124,400, low-income (80%) limit $105,200 for a family of four.