OWINGS, MD
CitySAFMR
Anne Arundel County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,470$1,620
1 BR$1,480$1,630
2 BR$1,780$1,960
3 BR$2,330$2,470
4 BR$2,740$3,010
5 BR$3,151
6 BR$3,624
7 BR$4,167
8 BR$4,792

Purchase Price Calculator

Maximum purchase price
$229,339

Cost breakdown

+Likely effective rent$1,960
HUD FMR$1,780
Market rent$2,210
Est. payment standard (110%)Used$1,960
Estimated payment standard is $1,960 (110% of FMR).
-Principal and interest-$1,160
Loan amount$183,471
Down payment$45,868
Rate6.50%
Term30 years
-Operating costs-$600
Property taxes-$229
Insurance-$175
Utilities$0
HOA$0
Management-$196
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,407(68.5% ROI)
Projected value
$246,973
Current value$229,339
Return breakdown
Property appreciation+$17,634
Loan principal paid down+$6,573
Rental cash flow+$7,200
5-year hold
+$53,859(117.4% ROI)
Projected value
$259,476
Current value$229,339
Return breakdown
Property appreciation+$30,137
Loan principal paid down+$11,722
Rental cash flow+$12,000
10-year hold
+$116,166(253.3% ROI)
Projected value
$293,573
Current value$229,339
Return breakdown
Property appreciation+$64,234
Loan principal paid down+$27,931
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- 20736
0.71ratio
FMR$1,470
Market$2,080
vs market-$610

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

90% standard$1,323 / 0.64 ratio110% standard$1,617 / 0.78 ratio
0.71
1 BR
1 BR- 20736
0.77ratio
FMR$1,480
Market$1,910
vs market-$430

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

90% standard$1,332 / 0.70 ratio110% standard$1,628 / 0.85 ratio
0.77
2 BR
2 BR- 20736
0.81ratio
FMR$1,780
Market$2,210
vs market-$430

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

90% standard$1,602 / 0.72 ratio110% standard$1,958 / 0.89 ratio
0.81
3 BR
3 BR- 20736
0.91ratio
FMR$2,330
Market$2,550
vs market-$220

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

90% standard$2,097 / 0.82 ratio110% standard$2,563 / 1.01 ratio
0.91
4 BR
4 BR- 20736
0.80ratio
FMR$2,740
Market$3,430
vs market-$690

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

90% standard$2,466 / 0.72 ratio110% standard$3,014 / 0.88 ratio
0.80
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 OWINGS, 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

OWINGS, MD fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for OWINGS, MD shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,780 and the 4 bedroom fair market rent is $2,740.

Use this page for searches like OWINGS, MD FMR, OWINGS, MD fair market rent, and OWINGS, 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 OWINGS, MD
Bedroom sizeHUD FMR
Studio$1,470
1 bedroom$1,480
2 bedroom$1,780
3 bedroom$2,330
4 bedroom$2,740