Location: Boston-Cambridge-Quincy, MA | Metro: Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $3,080 |
| 1 Bedroom | $3,180 |
| 2 Bedrooms | $3,800 |
| 3 Bedrooms | $4,530 |
| 4 Bedrooms | $4,990 |
| 5 Bedrooms | $5,788 |
| 6 Bedrooms | $6,483 |
| 7 Bedrooms | $7,002 |
| 8 Bedrooms | $7,352 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $3,800 | $853,971 | 0.44% | F |
| 3BR | $4,530 | $1,118,700 | 0.4% | F |
| 4BR | $4,990 | $1,621,840 | 0.31% | F |
| 5BR | $5,788 | $2,236,540 | 0.26% | F |
U.S. Census Bureau data (2024)
The classification of ZIP 02025 (Cohasset, MA) on the yield and stability axes reveals it to be a steady-cashflow zone. This determination is driven by specific figures from the data provided.
On the yield axis, the Fair Market Rent (FMR) for ZIP 02025 in fiscal year 2024 is set at $2,840, which is slightly higher than the market rent of $2,755. However, when compared to the median home value of $1,424,563, the rental yields are modest. The FMR represents the maximum amount that can be charged for a rental unit under the Section 8 program, and while it is above the market rate, it does not significantly exceed it, indicating a balanced rather than a high-yield market.
Regarding stability, ZIP 02025 scores well. The percentage of renters at 17.0% suggests a relatively low turnover risk, as most residents are likely homeowners. Although the days on market (DOM) figure is not available, the median household income of $199,306 indicates a strong financial base among the population. High incomes generally correlate with lower vacancy rates and more consistent rental payments, contributing to a stable investment environment.
To further contextualize, let's break down the key figures:
The data points towards a steady-cashflow zone because the FMR and market rents are close, implying a stable rental demand. Additionally, the high median income supports the likelihood of timely and reliable rental payments. While the rental yield is not exceptionally high due to the high median home value, it is sufficient for a steady income stream without the risks associated with a high-yield, low-stability market.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.