FY2027 Small Area FMR · Worcester, MA

ZIP 01604 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 01604 (Worcester, MA) is $2,240 a month, down 0.4% from FY2026. That is 10% above the Worcester, MA area-wide FMR of $2,043.

2-bedroom SAFMR$2,240per month ▼ 0.4%

Area-wide 2 BR FMR$2,043Worcester, MA

Rank in the area17thof 72 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,016

2 BR Small Area FMR$2,240

110% of SAFMR$2,464

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

Studio$1,730▼ 0.6%

1 BR$1,740▼ 0.6%

2 BR$2,240▼ 0.4%

3 BR$2,810▲ 0.7%

4 BR$3,200▲ 3.6%

FY2027 FY2026

Where 01604 sits in the Worcester, MA area

Of the 72 ZIP codes HUD lists for the area, 01604 has the 17th highest two-bedroom Small Area FMR. Worcester, 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 $2,043 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,240 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	$1,730	$1,557 – $1,903	$1,577	$1,740
1 bedroom	$1,740	$1,566 – $1,914	$1,587	$1,750
2 bedrooms	$2,240	$2,016 – $2,464	$2,043	$2,250
3 bedrooms	$2,810	$2,529 – $3,091	$2,560	$2,790
4 bedrooms	$3,200	$2,880 – $3,520	$2,915	$3,090

A household renting a two-bedroom home at the Small Area FMR of $2,240 needs about $89,600 a year to keep housing costs at 30% of income. The area median family income is $130,400 and the 80% low-income limit for four people is $105,350. ZIP code 01604 lies mainly in Worcester County. See the Worcester, MA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
01608	Worcester	1.8 mi	$2,110
01610	Worcester	2.1 mi	$2,020
01607	Worcester	2.2 mi	$2,080
01605	Worcester	2.7 mi	$2,140
01545	Shrewsbury	3.5 mi	$2,780
01609	Worcester	3.9 mi	$1,870

Questions

What is the Fair Market Rent for ZIP code 01604?

HUD's FY2027 Small Area Fair Market Rents for 01604 are $1,730 (studio), $1,740 (1 BR), $2,240 (2 BR), $2,810 (3 BR) and $3,200 (4 BR) a month.

What is the Section 8 payment standard in 01604?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 01604 that range is $2,016 to $2,464 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 01604?

The FY2026 income limits of the Worcester, MA area apply: median family income $130,400, low-income (80%) limit $105,350 for a family of four.