| County | DDA code |
|---|---|
| Franklin County, Massachusetts | NCNTY25011N25011 |
| Dukes County, Massachusetts | NCNTY25007N25007 |
| Nantucket County, Massachusetts | NCNTY25019N25019 |
| ZIP | Metro area |
|---|---|
| 01002 | Amherst Town-Northampton, MA MSA |
| 01003 | Amherst Town-Northampton, MA MSA |
| 01022 | Springfield, MA MSA |
| 01034 | Springfield, MA MSA |
| 01035 | Amherst Town-Northampton, MA MSA |
| 01039 | Amherst Town-Northampton, MA MSA |
| 01053 | Amherst Town-Northampton, MA MSA |
| 01106 | Springfield, MA MSA |
| 01266 | Berkshire County, MA (part) HUD Metro FMR Area |
| 01430 | Fitchburg-Leominster, MA HUD Metro FMR Area |
| 01462 | Fitchburg-Leominster, MA HUD Metro FMR Area |
| 01473 | Fitchburg-Leominster, MA HUD Metro FMR Area |
| 01505 | Worcester, MA HUD Metro FMR Area |
| 01519 | Worcester, MA HUD Metro FMR Area |
| 01520 | Worcester, MA HUD Metro FMR Area |
| 01532 | Worcester, MA HUD Metro FMR Area |
| 01545 | Worcester, MA HUD Metro FMR Area |
| 01581 | Worcester, MA HUD Metro FMR Area |
| 01745 | Eastern Worcester County, MA HUD Metro FMR Area |
| 01772 | Eastern Worcester County, MA HUD Metro FMR Area |
| 01821 | Lowell, MA HUD Metro FMR Area |
| 01824 | Lowell, MA HUD Metro FMR Area |
| 01876 | Lowell, MA HUD Metro FMR Area |
| 01886 | Lowell, MA HUD Metro FMR Area |
| 02324 | Brockton, MA HUD Metro FMR Area |
| 02325 | Brockton, MA HUD Metro FMR Area |
| 02341 | Brockton, MA HUD Metro FMR Area |
| 02347 | Brockton, MA HUD Metro FMR Area |
| 02350 | Brockton, MA HUD Metro FMR Area |
| 02379 | Brockton, MA HUD Metro FMR Area |
| 02537 | Barnstable Town, MA MSA |
| 02542 | Barnstable Town, MA MSA |
| 02563 | Barnstable Town, MA MSA |
| 02630 | Barnstable Town, MA MSA |
| 02632 | Barnstable Town, MA MSA |
| 02635 | Barnstable Town, MA MSA |
| 02637 | Barnstable Town, MA MSA |
| 02645 | Barnstable Town, MA MSA |
| 02646 | Barnstable Town, MA MSA |
| 02648 | Barnstable Town, MA MSA |
| 02655 | Barnstable Town, MA MSA |
| 02668 | Barnstable Town, MA MSA |
| 02672 | Barnstable Town, MA MSA |
| 02717 | New Bedford, MA HUD Metro FMR Area |
| 02718 | Taunton-Mansfield-Norton, MA HUD Metro FMR Area |
| 02766 | Taunton-Mansfield-Norton, MA HUD Metro FMR Area |
| 02767 | Taunton-Mansfield-Norton, MA HUD Metro FMR Area |
HUD designates a metro ZIP code (SDDA) or non-metro county as a DDA when its Fair Market Rent or construction costs are high relative to area median income. New LIHTC construction in a DDA qualifies for a 130% qualified basis — the same 30% boost QCTs receive. For Massachusetts investors, DDA and QCT overlays together map where affordable-housing capital is flowing hardest.
A Difficult Development Area (DDA) is a HUD-designated metro ZIP code or non-metro county where land, construction, and utility costs are high relative to Area Median Income. HUD republishes the Massachusetts list annually.
A LIHTC project in a designated DDA may qualify for a 30% increase in eligible basis — the same boost available in a Qualified Census Tract — which raises the credit amount the project can claim.
Small Area DDAs (SDDAs) are designated at the ZIP-code level inside metro areas, so one Massachusetts metro can contain both designated and undesignated ZIPs. Non-metro DDAs are designated at the county level.
DDA status signals a high-cost submarket relative to local incomes, which usually means higher purchase prices and construction budgets. It does not change loan eligibility on its own; business-purpose financing is underwritten on the property's economics and lender guidelines.
Every update below is a published figure from a named federal source, shown with the exact period that source covers. Where a dataset is only produced at county or state level, it is labelled that way rather than presented as city data. These are market statistics for informational purposes only — they are not rates, loan terms, or an offer of credit.
The most recent published Census reading for Massachusetts shows a median owner-occupied home value of $525,800, a median gross rent of $1,687 per month. These are survey estimates for the period shown, not live listing prices, and they are the starting point investors use to sanity-check a rent assumption before underwriting a DSCR file.
Census reports a population of 6,992,395, a median household income of $101,341, a rental vacancy estimate of 8.4% for Massachusetts. Income and vacancy set the practical ceiling on achievable rent, which is what a DSCR calculation is ultimately built on.
Source periods represented above: ACS estimates, ACS 5-Year 2023. Each figure updates only when its publisher releases a new period — we never restamp an older reading with a newer date.
Informational market data only. Nothing in this section is a rate, an annual percentage rate, a payment, a loan term, an approval, or an offer or commitment to lend. Citing a federal dataset does not imply the agency endorses, sponsors or is affiliated with Simply Approved Mortgages LLC (NMLS #2620881). Financing referenced on this page is business-purpose investment property financing.
Send the address and we'll pull the FMR, confirm DDA/QCT overlap, and reply with DSCR pricing feedback.
Get Your Personalized Rate QuoteA DSCR file is judged on the property, not your tax returns: qualifying rent divided by PITIA — principal, interest, taxes, insurance, plus HOA and flood where they apply. Most programs use the lesser of the in-place lease rent and the appraiser's market rent, so a lease signed below market usually caps the ratio no matter how strong the comps look.
Three inputs move the outcome more than anything else: rent support on the appraiser's rent schedule (Form 1007 or 1025), the LTV tier, and the credit tier. Dropping leverage by five points or moving up a FICO band frequently changes pricing more than shopping a different lender does.
Before you write an offer, price taxes and insurance at post-sale levels rather than the seller's current bill. In reassess-on-transfer states and in coastal insurance markets, that single adjustment is the most common reason a deal that penciled at contract fails the ratio at underwriting.
Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.
Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.
The form below is tailored to DSCR rental loan — only the questions your program needs.
Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.
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