FY2027 Small Area FMR · Gardner, MA

ZIP 01440 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 01440 (Gardner, MA) is $1,690 a month, up 8.3% from FY2026. That is 11% below the Fitchburg-Leominster, MA area-wide FMR of $1,900.

2-bedroom SAFMR$1,690per month ▲ 8.3%

Area-wide 2 BR FMR$1,900Fitchburg-Leominster, MA

Rank in the area13thof 14 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,521

2 BR Small Area FMR$1,690

110% of SAFMR$1,859

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

Studio$1,180▲ 9.3%

1 BR$1,400▲ 11.1%

2 BR$1,690▲ 8.3%

3 BR$2,150▲ 7.5%

4 BR$2,520▲ 7.2%

FY2027 FY2026

Where 01440 sits in the Fitchburg-Leominster, MA area

Of the 14 ZIP codes HUD lists for the area, 01440 has the 13th highest two-bedroom Small Area FMR. Fitchburg-Leominster, 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 $1,900 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,690 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	$1,180	$1,062 – $1,298	$1,323	$1,080
1 bedroom	$1,400	$1,260 – $1,540	$1,571	$1,260
2 bedrooms	$1,690	$1,521 – $1,859	$1,900	$1,560
3 bedrooms	$2,150	$1,935 – $2,365	$2,419	$2,000
4 bedrooms	$2,520	$2,268 – $2,772	$2,828	$2,350

A household renting a two-bedroom home at the Small Area FMR of $1,690 needs about $67,600 a year to keep housing costs at 30% of income. The area median family income is $113,900 and the 80% low-income limit for four people is $105,350. ZIP code 01440 lies mainly in Worcester County. See the Fitchburg-Leominster, MA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
01438	East Templeton	2.9 mi	$1,980
01473	Westminster	4.7 mi	$2,650
01436	Baldwinville	5.2 mi	$1,840
01468	Templeton	5.2 mi	$2,030
01430	Ashburnham	5.6 mi	$2,360
01452	Hubbardston	6.5 mi	$1,860

Questions

What is the Fair Market Rent for ZIP code 01440?

HUD's FY2027 Small Area Fair Market Rents for 01440 are $1,180 (studio), $1,400 (1 BR), $1,690 (2 BR), $2,150 (3 BR) and $2,520 (4 BR) a month.

What is the Section 8 payment standard in 01440?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 01440 that range is $1,521 to $1,859 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 01440?

The FY2026 income limits of the Fitchburg-Leominster, MA area apply: median family income $113,900, low-income (80%) limit $105,350 for a family of four.