CURTIS BAY, MD
CitySAFMR
Anne Arundel County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,270$900
1 BR$1,450$890
2 BR$1,770$1,500
3 BR$2,280$1,590
4 BR$2,550$1,680
5 BR$2,933
6 BR$3,372
7 BR$3,878
8 BR$4,460

Purchase Price Calculator

Maximum purchase price
$160,983

Cost breakdown

+Likely effective rent$1,500
HUD FMR$1,770
Market rentUsed$1,500
Est. payment standard (90%)$1,590
Market rent is below the inferred standard ($1,590, 90% of FMR).
-Principal and interest-$814
Loan amount$128,786
Down payment$32,197
Rate6.50%
Term30 years
-Operating costs-$486
Property taxes-$161
Insurance-$175
Utilities$0
HOA$0
Management-$150
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,192(75.1% ROI)
Projected value
$173,361
Current value$160,983
Return breakdown
Property appreciation+$12,378
Loan principal paid down+$4,614
Rental cash flow+$7,200
5-year hold
+$41,383(128.5% ROI)
Projected value
$182,137
Current value$160,983
Return breakdown
Property appreciation+$21,154
Loan principal paid down+$8,228
Rental cash flow+$12,000
10-year hold
+$88,695(275.5% ROI)
Projected value
$206,072
Current value$160,983
Return breakdown
Property appreciation+$45,089
Loan principal paid down+$19,606
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio- 21226
1.41ratio
FMR$1,270
Market$900
vs market+$370

FMR is above market; underwrite to market rent.

90% standard$1,143 / 1.27 ratio110% standard$1,397 / 1.55 ratio
1.41
1 BR
1 BR- 21226
1.63ratio
FMR$1,450
Market$890
vs market+$560

FMR is above market; underwrite to market rent.

1.63
2 BR
2 BR- 21226
1.18ratio
FMR$1,770
Market$1,500
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$1,593 / 1.06 ratio110% standard$1,947 / 1.30 ratio
1.18
3 BR
3 BR- 21226
1.43ratio
FMR$2,280
Market$1,590
vs market+$690

FMR is above market; underwrite to market rent.

90% standard$2,052 / 1.29 ratio110% standard$2,508 / 1.58 ratio
1.43
4 BR
4 BR- 21226
1.52ratio
FMR$2,550
Market$1,680
vs market+$870

FMR is above market; underwrite to market rent.

90% standard$2,295 / 1.37 ratio110% standard$2,805 / 1.67 ratio
1.52
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for CURTIS BAY, MD (MD) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

Related ZIPs

CURTIS BAY, MD fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for CURTIS BAY, MD shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,770 and the 4 bedroom fair market rent is $2,550.

Use this page for searches like CURTIS BAY, MD FMR, CURTIS BAY, MD fair market rent, and CURTIS BAY, MD Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for CURTIS BAY, MD
Bedroom sizeHUD FMR
Studio$1,270
1 bedroom$1,450
2 bedroom$1,770
3 bedroom$2,280
4 bedroom$2,550