MD/Frederick County/EMMITSBURG
EMMITSBURG, MD
CitySAFMR
Frederick County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,030$1,130
1 BR$1,070$1,180
2 BR$1,190$1,310
3 BR$1,500$1,650
4 BR$1,770$1,780
5 BR$2,035
6 BR$2,341
7 BR$2,692
8 BR$3,096

Purchase Price Calculator

Maximum purchase price
$132,749

Cost breakdown

+Likely effective rent$1,310
HUD FMR$1,190
Market rent$1,420
Est. payment standard (110%)Used$1,310
Estimated payment standard is $1,310 (110% of FMR).
-Principal and interest-$671
Loan amount$106,199
Down payment$26,550
Rate6.50%
Term30 years
-Operating costs-$439
Property taxes-$133
Insurance-$175
Utilities$0
HOA$0
Management-$131
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,212(79.9% ROI)
Projected value
$142,956
Current value$132,749
Return breakdown
Property appreciation+$10,207
Loan principal paid down+$3,805
Rental cash flow+$7,200
5-year hold
+$36,229(136.5% ROI)
Projected value
$150,193
Current value$132,749
Return breakdown
Property appreciation+$17,444
Loan principal paid down+$6,785
Rental cash flow+$12,000
10-year hold
+$77,349(291.3% ROI)
Projected value
$169,930
Current value$132,749
Return breakdown
Property appreciation+$37,181
Loan principal paid down+$16,168
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- 21727
0.78ratio
FMR$1,030
Market$1,320
vs market-$290

FMR is below market; voucher rent may lag private rents.

90% standard$927 / 0.70 ratio110% standard$1,133 / 0.86 ratio
0.78
1 BR
1 BR- 21727
0.79ratio
FMR$1,070
Market$1,350
vs market-$280

FMR is below market; voucher rent may lag private rents.

90% standard$963 / 0.71 ratio110% standard$1,177 / 0.87 ratio
0.79
2 BR
2 BR- 21727
0.84ratio
FMR$1,190
Market$1,420
vs market-$230

FMR is below market; voucher rent may lag private rents.

90% standard$1,071 / 0.75 ratio110% standard$1,309 / 0.92 ratio
0.84
3 BR
3 BR- 21727
0.87ratio
FMR$1,500
Market$1,730
vs market-$230

FMR is below market; voucher rent may lag private rents.

90% standard$1,350 / 0.78 ratio110% standard$1,650 / 0.95 ratio
0.87
4 BR
4 BR- 21727
0.99ratio
FMR$1,770
Market$1,790
vs market-$20

FMR is near market; voucher and private rents are aligned.

90% standard$1,593 / 0.89 ratio110% standard$1,947 / 1.09 ratio
0.99
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 EMMITSBURG, 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

EMMITSBURG, MD fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for EMMITSBURG, MD shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,190 and the 4 bedroom fair market rent is $1,770.

Use this page for searches like EMMITSBURG, MD FMR, EMMITSBURG, MD fair market rent, and EMMITSBURG, 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 EMMITSBURG, MD
Bedroom sizeHUD FMR
Studio$1,030
1 bedroom$1,070
2 bedroom$1,190
3 bedroom$1,500
4 bedroom$1,770