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MD/Harford County/HAVRE DE GRACE

HAVRE DE GRACE, MD

CitySAFMR
Harford County
Found 1 ZIP
Zillow
BRFMR
Eff. Rent
0 BR$1,270▲$1,110
1 BR$1,450▲$1,290
2 BR$1,770▲$1,730
3 BR$2,280▲$2,130
4 BR$2,550▼$2,750
5 BR$2,933▼—
6 BR$3,372▼—
7 BR$3,878▼—
8 BR$4,460▼—

Purchase Price Calculator

Maximum purchase price
$195,161

Cost breakdown

+Likely effective rent$1,730
HUD FMR$1,770
Market rentUsed$1,730
Est. payment standard (99%)$1,740
Market rent is below the inferred standard ($1,740, 99% of FMR).
-Principal and interest-$987
Loan amount$156,129
Down payment$39,032
Rate6.50%
Term30 years
-Operating costs-$543
Property taxes-$195
Insurance-$175
Utilities$0
HOA$0
Management-$173
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,800(71.2% ROI)
Projected value
$210,167
Current value$195,161
Return breakdown
Property appreciation+$15,006
Loan principal paid down+$5,594
Rental cash flow+$7,200
5-year hold
+$47,621(122.0% ROI)
Projected value
$220,807
Current value$195,161
Return breakdown
Property appreciation+$25,646
Loan principal paid down+$9,975
Rental cash flow+$12,000
10-year hold
+$102,430(262.4% ROI)
Projected value
$249,822
Current value$195,161
Return breakdown
Property appreciation+$54,662
Loan principal paid down+$23,769
Rental cash flow+$24,000

Market Alignment

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

Studio
Studio- 21078
1.14ratio
FMR$1,270
Market$1,110
vs market+$160

FMR is above market; underwrite to market rent.

90% standard$1,143 / 1.03 ratio110% standard$1,397 / 1.26 ratio
1.14
1 BR
1 BR- 21078
1.12ratio
FMR$1,450
Market$1,290
vs market+$160

FMR is above market; underwrite to market rent.

90% standard$1,305 / 1.01 ratio110% standard$1,595 / 1.24 ratio
1.12
2 BR
2 BR- 21078
1.02ratio
FMR$1,770
Market$1,730
vs market+$40

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

90% standard$1,593 / 0.92 ratio110% standard$1,947 / 1.13 ratio
1.02
3 BR
3 BR- 21078
1.07ratio
FMR$2,280
Market$2,130
vs market+$150

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

90% standard$2,052 / 0.96 ratio110% standard$2,508 / 1.18 ratio
1.07
4 BR
4 BR- 21078
0.89ratio
FMR$2,550
Market$2,860
vs market-$310

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

90% standard$2,295 / 0.80 ratio110% standard$2,805 / 0.98 ratio
0.89
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 HAVRE DE GRACE, 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.

What is FMR?What is SAFMR?Data sourcesIncomplete geosView county page
Related ZIPs
21078

HAVRE DE GRACE, MD fair market rent benchmarks

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for HAVRE DE GRACE, MD shows monthly rent benchmarks 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 these values to compare bedroom-size rent benchmarks and screen a property's rent assumptions. Local housing authorities set voucher payment standards, which may be above or below published HUD FMR, so confirm the applicable authority and current schedule before underwriting a property. Read the FMR and payment-standard guide for the full verification workflow.

FY 2026 Fair Market Rent by bedroom size for HAVRE DE GRACE, MD
Bedroom sizeHUD FMR
Studio$1,270
1 bedroom$1,450
2 bedroom$1,770
3 bedroom$2,280
4 bedroom$2,550
Harford County fair market rent21078 FMR