FY2027 Small Area FMR · Harwich, MA

ZIP 02645 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 02645 (Harwich, MA) is $2,930 a month, up 7.3% from FY2026. That is 18% above the Barnstable Town, MA area-wide FMR of $2,488.

2-bedroom SAFMR$2,930per month ▲ 7.3%

Area-wide 2 BR FMR$2,488Barnstable Town, MA

Rank in the area5thof 56 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,637

2 BR Small Area FMR$2,930

110% of SAFMR$3,223

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

Studio$2,230▲ 7.7%

1 BR$2,240▲ 7.7%

2 BR$2,930▲ 7.3%

3 BR$3,680▲ 9.5%

4 BR$4,380▲ 13.5%

FY2027 FY2026

Where 02645 sits in the Barnstable Town, MA area

Of the 56 ZIP codes HUD lists for the area, 02645 has the 5th highest two-bedroom Small Area FMR. Barnstable Town, 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 $2,488 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,930 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	$2,230	$2,007 – $2,453	$1,889	$2,070
1 bedroom	$2,240	$2,016 – $2,464	$1,902	$2,080
2 bedrooms	$2,930	$2,637 – $3,223	$2,488	$2,730
3 bedrooms	$3,680	$3,312 – $4,048	$3,121	$3,360
4 bedrooms	$4,380	$3,942 – $4,818	$3,721	$3,860

A household renting a two-bedroom home at the Small Area FMR of $2,930 needs about $117,200 a year to keep housing costs at 30% of income. The area median family income is $123,600 and the 80% low-income limit for four people is $112,950. ZIP code 02645 lies mainly in Barnstable County. See the Barnstable Town, MA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
02631	Brewster	2.6 mi	$2,390
02659	South Chatham	2.7 mi	$2,180
02646	Harwich Port	2.9 mi	$2,910
02671	West Harwich	3.7 mi	$2,740
02633	Chatham	4.6 mi	$2,280
02650	North Chatham	5.0 mi	$2,280

Questions

What is the Fair Market Rent for ZIP code 02645?

HUD's FY2027 Small Area Fair Market Rents for 02645 are $2,230 (studio), $2,240 (1 BR), $2,930 (2 BR), $3,680 (3 BR) and $4,380 (4 BR) a month.

What is the Section 8 payment standard in 02645?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 02645 that range is $2,637 to $3,223 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 02645?

The FY2026 income limits of the Barnstable Town, MA area apply: median family income $123,600, low-income (80%) limit $112,950 for a family of four.