MD/Charles County/WHITE PLAINS
WHITE PLAINS, MD
CitySAFMR
Charles County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$2,030$1,530
1 BR$2,090$1,600
2 BR$2,330$2,280
3 BR$2,940$2,770
4 BR$3,460$3,070
5 BR$3,979
6 BR$4,576
7 BR$5,262
8 BR$6,052

Purchase Price Calculator

Maximum purchase price
$276,891

Cost breakdown

+Likely effective rent$2,280
HUD FMR$2,330
Market rentUsed$2,280
Est. payment standard (99%)$2,300
Market rent is below the inferred standard ($2,300, 99% of FMR).
-Principal and interest-$1,400
Loan amount$221,512
Down payment$55,378
Rate6.50%
Term30 years
-Operating costs-$680
Property taxes-$277
Insurance-$175
Utilities$0
HOA$0
Management-$228
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,427(65.8% ROI)
Projected value
$298,181
Current value$276,891
Return breakdown
Property appreciation+$21,290
Loan principal paid down+$7,936
Rental cash flow+$7,200
5-year hold
+$62,538(112.9% ROI)
Projected value
$313,276
Current value$276,891
Return breakdown
Property appreciation+$36,386
Loan principal paid down+$14,152
Rental cash flow+$12,000
10-year hold
+$135,276(244.3% ROI)
Projected value
$354,443
Current value$276,891
Return breakdown
Property appreciation+$77,553
Loan principal paid down+$33,723
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- 20695
1.33ratio
FMR$2,030
Market$1,530
vs market+$500

FMR is above market; underwrite to market rent.

90% standard$1,827 / 1.19 ratio110% standard$2,233 / 1.46 ratio
1.33
1 BR
1 BR- 20695
1.31ratio
FMR$2,090
Market$1,600
vs market+$490

FMR is above market; underwrite to market rent.

90% standard$1,881 / 1.18 ratio110% standard$2,299 / 1.44 ratio
1.31
2 BR
2 BR- 20695
1.02ratio
FMR$2,330
Market$2,280
vs market+$50

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

90% standard$2,097 / 0.92 ratio110% standard$2,563 / 1.12 ratio
1.02
3 BR
3 BR- 20695
1.06ratio
FMR$2,940
Market$2,770
vs market+$170

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

90% standard$2,646 / 0.96 ratio110% standard$3,234 / 1.17 ratio
1.06
4 BR
4 BR- 20695
1.13ratio
FMR$3,460
Market$3,070
vs market+$390

FMR is above market; underwrite to market rent.

90% standard$3,114 / 1.01 ratio110% standard$3,806 / 1.24 ratio
1.13
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 WHITE PLAINS, 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

WHITE PLAINS, MD fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for WHITE PLAINS, MD shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,330 and the 4 bedroom fair market rent is $3,460.

Use this page for searches like WHITE PLAINS, MD FMR, WHITE PLAINS, MD fair market rent, and WHITE PLAINS, 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 WHITE PLAINS, MD
Bedroom sizeHUD FMR
Studio$2,030
1 bedroom$2,090
2 bedroom$2,330
3 bedroom$2,940
4 bedroom$3,460