FY2027 Small Area FMR · Boston, MA

ZIP 02109 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 02109 (Boston, MA) is $4,030 a month, down 8.6% from FY2026. That is 34% above the Boston-Cambridge-Quincy, MA-NH area-wide FMR of $3,008.

2-bedroom SAFMR$4,030per month ▼ 8.6%

Area-wide 2 BR FMR$3,008Boston-Cambridge-Quincy, MA-

Rank in the area17thof 259 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$3,627

2 BR Small Area FMR$4,030

110% of SAFMR$4,433

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

Studio$3,270▼ 7.6%

1 BR$3,370▼ 9.2%

2 BR$4,030▼ 8.6%

3 BR$4,800▼ 9.3%

4 BR$5,290▼ 9.4%

FY2027 FY2026

Where 02109 sits in the Boston-Cambridge-Quincy, MA-NH area

Of the 259 ZIP codes HUD lists for the area, 02109 has the 17th highest two-bedroom Small Area FMR. Boston-Cambridge-Quincy, MA-NH 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 $3,008 for two bedrooms; an agency that opts in to Small Area FMRs would use $4,030 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	$3,270	$2,943 – $3,597	$2,440	$3,540
1 bedroom	$3,370	$3,033 – $3,707	$2,518	$3,710
2 bedrooms	$4,030	$3,627 – $4,433	$3,008	$4,410
3 bedrooms	$4,800	$4,320 – $5,280	$3,584	$5,290
4 bedrooms	$5,290	$4,761 – $5,819	$3,953	$5,840

A household renting a two-bedroom home at the Small Area FMR of $4,030 needs about $161,200 a year to keep housing costs at 30% of income. The area median family income is $164,600 and the 80% low-income limit for four people is $137,100. ZIP code 02109 lies mainly in Suffolk County. See the Boston-Cambridge-Quincy, MA-NH metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
02113	Boston	0.3 mi	$3,820
02110	Boston	0.3 mi	$4,510
02203	Boston	0.6 mi	$3,110
02133	Boston	0.8 mi	$3,880
02114	Boston	1.0 mi	$4,380
02108	Boston	1.0 mi	$3,670

Questions

What is the Fair Market Rent for ZIP code 02109?

HUD's FY2027 Small Area Fair Market Rents for 02109 are $3,270 (studio), $3,370 (1 BR), $4,030 (2 BR), $4,800 (3 BR) and $5,290 (4 BR) a month.

What is the Section 8 payment standard in 02109?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 02109 that range is $3,627 to $4,433 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 02109?

The FY2026 income limits of the Boston-Cambridge-Quincy, MA-NH area apply: median family income $164,600, low-income (80%) limit $137,100 for a family of four.