JOPPA, MD
CitySAFMR
Harford County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,330$1,380
1 BR$1,470$1,460
2 BR$1,810$1,770
3 BR$2,300$2,170
4 BR$2,550$2,670
5 BR$2,933
6 BR$3,372
7 BR$3,878
8 BR$4,460

Purchase Price Calculator

Maximum purchase price
$201,105

Cost breakdown

+Likely effective rent$1,770
HUD FMR$1,810
Market rentUsed$1,770
Est. payment standard (99%)$1,780
Market rent is below the inferred standard ($1,780, 99% of FMR).
-Principal and interest-$1,017
Loan amount$160,884
Down payment$40,221
Rate6.50%
Term30 years
-Operating costs-$553
Property taxes-$201
Insurance-$175
Utilities$0
HOA$0
Management-$177
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,427(70.7% ROI)
Projected value
$216,568
Current value$201,105
Return breakdown
Property appreciation+$15,463
Loan principal paid down+$5,764
Rental cash flow+$7,200
5-year hold
+$48,706(121.1% ROI)
Projected value
$227,532
Current value$201,105
Return breakdown
Property appreciation+$26,427
Loan principal paid down+$10,279
Rental cash flow+$12,000
10-year hold
+$104,819(260.6% ROI)
Projected value
$257,431
Current value$201,105
Return breakdown
Property appreciation+$56,326
Loan principal paid down+$24,493
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- 21085
0.95ratio
FMR$1,330
Market$1,400
vs market-$70

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

90% standard$1,197 / 0.85 ratio110% standard$1,463 / 1.04 ratio
0.95
1 BR
1 BR- 21085
1.01ratio
FMR$1,470
Market$1,460
vs market+$10

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

90% standard$1,323 / 0.91 ratio110% standard$1,617 / 1.11 ratio
1.01
2 BR
2 BR- 21085
1.02ratio
FMR$1,810
Market$1,770
vs market+$40

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

90% standard$1,629 / 0.92 ratio110% standard$1,991 / 1.12 ratio
1.02
3 BR
3 BR- 21085
1.06ratio
FMR$2,300
Market$2,170
vs market+$130

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

90% standard$2,070 / 0.95 ratio110% standard$2,530 / 1.17 ratio
1.06
4 BR
4 BR- 21085
0.93ratio
FMR$2,550
Market$2,730
vs market-$180

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

90% standard$2,295 / 0.84 ratio110% standard$2,805 / 1.03 ratio
0.93
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with 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 JOPPA, 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

JOPPA, MD fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for JOPPA, MD shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,810 and the 4 bedroom fair market rent is $2,550.

Use this page for searches like JOPPA, MD FMR, JOPPA, MD fair market rent, and JOPPA, 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 JOPPA, MD
Bedroom sizeHUD FMR
Studio$1,330
1 bedroom$1,470
2 bedroom$1,810
3 bedroom$2,300
4 bedroom$2,550