MD/Garrett County/FROSTBURG
FROSTBURG, MD
CitySAFMR
Garrett County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$750$810
1 BR$870$880
2 BR$1,030$970
3 BR$1,410$1,100
4 BR$1,530$1,300
5 BR$1,759
6 BR$2,023
7 BR$2,327
8 BR$2,676

Purchase Price Calculator

Maximum purchase price
$82,225

Cost breakdown

+Likely effective rent$970
HUD FMR$1,030
Market rentUsed$970
Est. payment standard (96%)$990
Market rent is below the inferred standard ($990, 96% of FMR).
-Principal and interest-$416
Loan amount$65,780
Down payment$16,445
Rate6.50%
Term30 years
-Operating costs-$354
Property taxes-$82
Insurance-$175
Utilities$0
HOA$0
Management-$97
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,879(96.6% ROI)
Projected value
$88,547
Current value$82,225
Return breakdown
Property appreciation+$6,322
Loan principal paid down+$2,357
Rental cash flow+$7,200
5-year hold
+$27,008(164.2% ROI)
Projected value
$93,030
Current value$82,225
Return breakdown
Property appreciation+$10,805
Loan principal paid down+$4,203
Rental cash flow+$12,000
10-year hold
+$57,044(346.9% ROI)
Projected value
$105,255
Current value$82,225
Return breakdown
Property appreciation+$23,030
Loan principal paid down+$10,014
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- 21532
0.89ratio
FMR$750
Market$840
vs market-$90

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

90% standard$675 / 0.80 ratio110% standard$825 / 0.98 ratio
0.89
1 BR
1 BR- 21532
0.98ratio
FMR$870
Market$890
vs market-$20

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

90% standard$783 / 0.88 ratio110% standard$957 / 1.08 ratio
0.98
2 BR
2 BR- 21532
1.06ratio
FMR$1,030
Market$970
vs market+$60

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

90% standard$927 / 0.96 ratio110% standard$1,133 / 1.17 ratio
1.06
3 BR
3 BR- 21532
1.28ratio
FMR$1,410
Market$1,100
vs market+$310

FMR is above market; underwrite to market rent.

90% standard$1,269 / 1.15 ratio110% standard$1,551 / 1.41 ratio
1.28
4 BR
4 BR- 21532
1.18ratio
FMR$1,530
Market$1,300
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,377 / 1.06 ratio110% standard$1,683 / 1.29 ratio
1.18
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 FROSTBURG, 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

FROSTBURG, MD fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for FROSTBURG, MD shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,030 and the 4 bedroom fair market rent is $1,530.

Use this page for searches like FROSTBURG, MD FMR, FROSTBURG, MD fair market rent, and FROSTBURG, 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 FROSTBURG, MD
Bedroom sizeHUD FMR
Studio$750
1 bedroom$870
2 bedroom$1,030
3 bedroom$1,410
4 bedroom$1,530