FY2027 Small Area FMR · Nutting Lake, MA

ZIP 01865 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 01865 (Nutting Lake, MA) is $2,980 a month, up 0.7% from FY2026. That is 25% above the Lowell, MA area-wide FMR of $2,383.

2-bedroom SAFMR$2,980per month ▲ 0.7%

Area-wide 2 BR FMR$2,383Lowell, MA

Rank in the area8thof 27 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,682

2 BR Small Area FMR$2,980

110% of SAFMR$3,278

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

Studio$2,080▲ 2.0%

1 BR$2,290▲ 1.3%

2 BR$2,980▲ 0.7%

3 BR$3,600▲ 1.4%

4 BR$3,920■ 0.0%

FY2027 FY2026

Where 01865 sits in the Lowell, MA area

Of the 27 ZIP codes HUD lists for the area, 01865 has the 8th highest two-bedroom Small Area FMR. Lowell, 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 $2,383 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,980 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	$2,080	$1,872 – $2,288	$1,659	$2,040
1 bedroom	$2,290	$2,061 – $2,519	$1,831	$2,260
2 bedrooms	$2,980	$2,682 – $3,278	$2,383	$2,960
3 bedrooms	$3,600	$3,240 – $3,960	$2,878	$3,550
4 bedrooms	$3,920	$3,528 – $4,312	$3,132	$3,920

A household renting a two-bedroom home at the Small Area FMR of $2,980 needs about $119,200 a year to keep housing costs at 30% of income. The area median family income is $143,000 and the 80% low-income limit for four people is $109,600. ZIP code 01865 lies mainly in Middlesex County. See the Lowell, MA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
01821	Billerica	1.2 mi	$3,050
01730	Bedford	2.7 mi	$3,440
01862	North Billerica	3.1 mi	$2,580
01803	Burlington	4.2 mi	$3,580
01741	Carlisle	4.7 mi	$3,070
01876	Tewksbury	5.5 mi	$3,150

Questions

What is the Fair Market Rent for ZIP code 01865?

HUD's FY2027 Small Area Fair Market Rents for 01865 are $2,080 (studio), $2,290 (1 BR), $2,980 (2 BR), $3,600 (3 BR) and $3,920 (4 BR) a month.

What is the Section 8 payment standard in 01865?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 01865 that range is $2,682 to $3,278 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 01865?

The FY2026 income limits of the Lowell, MA area apply: median family income $143,000, low-income (80%) limit $109,600 for a family of four.