FY2027 Small Area FMR · Somerville, MA

ZIP 02144 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 02144 (Somerville, MA) is $3,750 a month, up 3.0% from FY2026. That is 25% above the Boston-Cambridge-Quincy, MA-NH area-wide FMR of $3,008.

2-bedroom SAFMR$3,750per month ▲ 3.0%

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

Rank in the area29thof 259 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$3,375

2 BR Small Area FMR$3,750

110% of SAFMR$4,125

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

Studio$3,040▲ 4.1%

1 BR$3,140▲ 2.6%

2 BR$3,750▲ 3.0%

3 BR$4,470▲ 2.5%

4 BR$4,930▲ 2.3%

FY2027 FY2026

Where 02144 sits in the Boston-Cambridge-Quincy, MA-NH area

Of the 259 ZIP codes HUD lists for the area, 02144 has the 29th 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 $3,750 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	$3,040	$2,736 – $3,344	$2,440	$2,920
1 bedroom	$3,140	$2,826 – $3,454	$2,518	$3,060
2 bedrooms	$3,750	$3,375 – $4,125	$3,008	$3,640
3 bedrooms	$4,470	$4,023 – $4,917	$3,584	$4,360
4 bedrooms	$4,930	$4,437 – $5,423	$3,953	$4,820

A household renting a two-bedroom home at the Small Area FMR of $3,750 needs about $150,000 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 02144 lies mainly in Middlesex 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
02140	Cambridge	0.8 mi	$3,800
02138	Cambridge	1.5 mi	$4,310
02145	Somerville	1.8 mi	$3,470
02143	Somerville	1.8 mi	$3,630
02155	Medford	1.8 mi	$3,330
02474	Arlington	2.3 mi	$3,220

Questions

What is the Fair Market Rent for ZIP code 02144?

HUD's FY2027 Small Area Fair Market Rents for 02144 are $3,040 (studio), $3,140 (1 BR), $3,750 (2 BR), $4,470 (3 BR) and $4,930 (4 BR) a month.

What is the Section 8 payment standard in 02144?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 02144 that range is $3,375 to $4,125 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 02144?

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.