Skip to main content
Loading page
MD/Harford County/Whiteford

Whiteford, MD

CitySAFMR
Harford County
Found 1 ZIP

City Median Investment Score

60Below average

095130300
BRFMR
Eff. Rent
0 BR$1,230$1,230
1 BR$1,360$1,360
2 BR$1,680$1,350
3 BR$2,130$1,510
4 BR$2,350$1,560
5 BR$2,703Not available
6 BR$3,108Not available
7 BR$3,574Not available
8 BR$4,110Not available

Purchase Price Calculator

Maximum purchase price
$138,693

Cost breakdown

+Likely effective rent$1,350
HUD FMR$1,680
Market rentUsed$1,350
Est. payment standard (90%)$1,510
-Principal and interest-$701
Loan amount$110,954
Down payment$27,739
Rate6.50%
Term30 years
-Operating costs-$449
Property taxes-$139
Insurance-$175
Utilities$0
HOA$0
Management-$135
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,839(78.7% ROI)
Projected value
$149,357
Return breakdown
Property appreciation+$10,664
Loan principal paid down+$3,975
Rental cash flow+$7,200
5-year hold
+$37,314(134.5% ROI)
Projected value
$156,918
Return breakdown
Property appreciation+$18,225
Loan principal paid down+$7,089
Rental cash flow+$12,000
10-year hold
+$79,737(287.5% ROI)
Projected value
$177,539
Return breakdown
Property appreciation+$38,846
Loan principal paid down+$16,892
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

2 BR
1.24
3 BR
1.41
4 BR
1.51
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Whiteford, MD fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Whiteford, MD is $1,680 a month. That is down 5.1% from $1,770 in FY 2026. Whiteford 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 Whiteford is 10% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Whiteford, MD
BedroomsFY 2027Change90–110% range
Studio$1,230−3.1%$1,107–$1,353
1BR$1,360−6.2%$1,224–$1,496
2BR$1,680−5.1%$1,512–$1,848
3BR$2,130−6.6%$1,917–$2,343
4BR$2,350−7.8%$2,115–$2,585

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Whiteford, MD
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,230$1,360$1,680$2,130$2,350
FY 2026$1,270$1,450$1,770$2,280$2,550
FY 2025$1,250$1,430$1,750$2,270$2,570
FY 2024$1,000$1,130$1,400$1,830$2,070
FY 2023$860$1,020$1,260$1,630$1,870

Questions about Whiteford, MD rents

How much will Section 8 pay for a two-bedroom in Whiteford, 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 $1,680 it would be $1,512 to $1,848. 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 Whiteford, MD in?

Whiteford, 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 Whiteford, MD for FY 2027?

The two-bedroom FMR fell 5.1%, from $1,770 in FY 2026 to $1,680 in FY 2027. Since FY 2023 it has risen 33.3%.

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