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MD/Harford County/White Hall

White Hall, MD

CitySAFMR
Harford County
Found 1 ZIP

City Median Investment Score

97Above average

095130300
BRFMR
Eff. Rent
0 BR$1,480$1,480
1 BR$1,580$1,580
2 BR$1,950$1,950
3 BR$2,440$2,440
4 BR$2,710$2,710
5 BR$3,116Not available
6 BR$3,584Not available
7 BR$4,122Not available
8 BR$4,740Not available

Purchase Price Calculator

Maximum purchase price
$227,853

Cost breakdown

+Likely effective rent$1,950
HUD FMRUsed$1,950
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,152
Loan amount$182,282
Down payment$45,571
Rate6.50%
Term30 years
-Operating costs-$598
Property taxes-$228
Insurance-$175
Utilities$0
HOA$0
Management-$195
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,250(68.6% ROI)
Projected value
$245,372
Return breakdown
Property appreciation+$17,520
Loan principal paid down+$6,531
Rental cash flow+$7,200
5-year hold
+$53,588(117.6% ROI)
Projected value
$257,794
Return breakdown
Property appreciation+$29,942
Loan principal paid down+$11,646
Rental cash flow+$12,000
10-year hold
+$115,568(253.6% ROI)
Projected value
$291,671
Return breakdown
Property appreciation+$63,818
Loan principal paid down+$27,750
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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White Hall, MD fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in White Hall, MD is $1,950 a month. That is up 10.2% from $1,770 in FY 2026. White Hall is in the Baltimore-Columbia-Towson, MD MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,006. The median county two-bedroom FMR in Maryland is $1,875, so White Hall is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for White Hall, MD
BedroomsFY 2027Change90–110% range
Studio$1,480+16.5%$1,332–$1,628
1BR$1,580+9.0%$1,422–$1,738
2BR$1,950+10.2%$1,755–$2,145
3BR$2,440+7.0%$2,196–$2,684
4BR$2,710+6.3%$2,439–$2,981

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for White Hall, MD
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,480$1,580$1,950$2,440$2,710
FY 2026$1,270$1,450$1,770$2,280$2,550
FY 2025$1,260$1,440$1,780$2,310$2,600
FY 2024$1,400$1,600$1,970$2,560$2,880
FY 2023$1,200$1,380$1,710$2,220$2,530

Questions about White Hall, MD rents

How much will Section 8 pay for a two-bedroom in White Hall, MD?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,006, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,805 to $2,207 a month; under the ZIP-level Small Area FMR of $1,950 it would be $1,755 to $2,145. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is White Hall, MD in?

White Hall, MD is in the Baltimore-Columbia-Towson, MD MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,006.

How much did fair market rent change in White Hall, MD for FY 2027?

The two-bedroom FMR rose 10.2%, from $1,770 in FY 2026 to $1,950 in FY 2027. Since FY 2023 it has risen 14.0%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set