FY2027 Small Area FMR · Springfield, MA

ZIP 01109 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 01109 (Springfield, MA) is $1,900 a month, up 6.7% from FY2026. That is 6% above the Springfield, MA area-wide FMR of $1,800.

2-bedroom SAFMR$1,900per month ▲ 6.7%

Area-wide 2 BR FMR$1,800Springfield, MA

Rank in the area18thof 56 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,710

2 BR Small Area FMR$1,900

110% of SAFMR$2,090

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

Studio$1,330▲ 6.4%

1 BR$1,500▲ 5.6%

2 BR$1,900▲ 6.7%

3 BR$2,370▲ 8.7%

4 BR$2,500▲ 5.9%

FY2027 FY2026

Where 01109 sits in the Springfield, MA area

Of the 56 ZIP codes HUD lists for the area, 01109 has the 18th highest two-bedroom Small Area FMR. Springfield, 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 $1,800 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,900 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	$1,330	$1,197 – $1,463	$1,264	$1,250
1 bedroom	$1,500	$1,350 – $1,650	$1,421	$1,420
2 bedrooms	$1,900	$1,710 – $2,090	$1,800	$1,780
3 bedrooms	$2,370	$2,133 – $2,607	$2,241	$2,180
4 bedrooms	$2,500	$2,250 – $2,750	$2,370	$2,360

A household renting a two-bedroom home at the Small Area FMR of $1,900 needs about $76,000 a year to keep housing costs at 30% of income. The area median family income is $96,700 and the 80% low-income limit for four people is $105,200. ZIP code 01109 lies mainly in Hampden County. See the Springfield, MA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
01104	Springfield	1.3 mi	$1,960
01119	Springfield	2.0 mi	$1,910
01105	Springfield	2.1 mi	$1,590
01118	Springfield	2.1 mi	$2,120
01103	Springfield	2.4 mi	$2,140
01144	Springfield	2.5 mi	$1,790

Questions

What is the Fair Market Rent for ZIP code 01109?

HUD's FY2027 Small Area Fair Market Rents for 01109 are $1,330 (studio), $1,500 (1 BR), $1,900 (2 BR), $2,370 (3 BR) and $2,500 (4 BR) a month.

What is the Section 8 payment standard in 01109?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 01109 that range is $1,710 to $2,090 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 01109?

The FY2026 income limits of the Springfield, MA area apply: median family income $96,700, low-income (80%) limit $105,200 for a family of four.