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MD/Cecil County/Cecilton

Cecilton, MD

CitySAFMR
Cecil County
Found 1 ZIP

City Median Investment Score

76Below average

095130300
BRFMR
Eff. Rent
0 BR$1,040$1,040
1 BR$1,120$1,120
2 BR$1,340$1,340
3 BR$1,600$1,600
4 BR$1,760$1,760
5 BR$2,024Not available
6 BR$2,328Not available
7 BR$2,677Not available
8 BR$3,078Not available

Purchase Price Calculator

Maximum purchase price
$137,207

Cost breakdown

+Likely effective rent$1,340
HUD FMRUsed$1,340
Market rentN/A
Est. payment standardN/A
-Principal and interest-$694
Loan amount$109,766
Down payment$27,441
Rate6.50%
Term30 years
-Operating costs-$446
Property taxes-$137
Insurance-$175
Utilities$0
HOA$0
Management-$134
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,683(79.0% ROI)
Projected value
$147,757
Return breakdown
Property appreciation+$10,550
Loan principal paid down+$3,933
Rental cash flow+$7,200
5-year hold
+$37,043(135.0% ROI)
Projected value
$155,237
Return breakdown
Property appreciation+$18,030
Loan principal paid down+$7,013
Rental cash flow+$12,000
10-year hold
+$79,140(288.4% ROI)
Projected value
$175,637
Return breakdown
Property appreciation+$38,430
Loan principal paid down+$16,711
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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Cecilton, MD fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Cecilton, MD is $1,340 a month. That is up 12.6% from $1,190 in FY 2026. Cecilton is in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. The median county two-bedroom FMR in Maryland is $1,875, so Cecilton is 29% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Cecilton, MD
BedroomsFY 2027Change90–110% range
Studio$1,040+13.0%$936–$1,144
1BR$1,120+12.0%$1,008–$1,232
2BR$1,340+12.6%$1,206–$1,474
3BR$1,600+11.9%$1,440–$1,760
4BR$1,760+10.7%$1,584–$1,936

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Cecilton, MD
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,040$1,120$1,340$1,600$1,760
FY 2026$920$1,000$1,190$1,430$1,590
FY 2025$840$920$1,100$1,330$1,510
FY 2024$830$930$1,110$1,340$1,550
FY 2023$700$790$950$1,160$1,340

Questions about Cecilton, MD rents

How much will Section 8 pay for a two-bedroom in Cecilton, MD?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,340, that basic range is $1,206 to $1,474 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Cecilton, MD in?

Cecilton, MD is in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in Cecilton, MD for FY 2027?

The two-bedroom FMR rose 12.6%, from $1,190 in FY 2026 to $1,340 in FY 2027. Since FY 2023 it has risen 41.1%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set