FY2027 Small Area FMR · Osterville, MA

ZIP 02655 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 02655 (Osterville, MA) is $2,590 a month, up 0.4% from FY2026. That is 4% above the Barnstable Town, MA area-wide FMR of $2,488.

2-bedroom SAFMR$2,590per month ▲ 0.4%

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

Rank in the area17thof 56 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,331

2 BR Small Area FMR$2,590

110% of SAFMR$2,849

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

Studio$1,970▲ 1.0%

1 BR$1,980▲ 0.5%

2 BR$2,590▲ 0.4%

3 BR$3,250▲ 2.2%

4 BR$3,870▲ 6.0%

FY2027 FY2026

Where 02655 sits in the Barnstable Town, MA area

Of the 56 ZIP codes HUD lists for the area, 02655 has the 17th 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 $2,590 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	$1,970	$1,773 – $2,167	$1,889	$1,950
1 bedroom	$1,980	$1,782 – $2,178	$1,902	$1,970
2 bedrooms	$2,590	$2,331 – $2,849	$2,488	$2,580
3 bedrooms	$3,250	$2,925 – $3,575	$3,121	$3,180
4 bedrooms	$3,870	$3,483 – $4,257	$3,721	$3,650

A household renting a two-bedroom home at the Small Area FMR of $2,590 needs about $103,600 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 02655 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
02635	Cotuit	2.5 mi	$2,920
02648	Marstons Mills	3.1 mi	$2,920
02632	Centerville	3.2 mi	$3,310
02672	West Hyannisport	4.1 mi	$2,820
02647	Hyannis Port	4.2 mi	$2,390
02649	Mashpee	5.1 mi	$2,600

Questions

What is the Fair Market Rent for ZIP code 02655?

HUD's FY2027 Small Area Fair Market Rents for 02655 are $1,970 (studio), $1,980 (1 BR), $2,590 (2 BR), $3,250 (3 BR) and $3,870 (4 BR) a month.

What is the Section 8 payment standard in 02655?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 02655 that range is $2,331 to $2,849 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 02655?

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.