20622
ZIPSAFMR
Charles County, MD
BRFMR
Eff. Rent
0 BR$1,480$1,630
1 BR$1,620$1,780
2 BR$1,790$1,970
3 BR$2,240$2,370
4 BR$2,730$2,780
5 BR$3,139
6 BR$3,610
7 BR$4,152
8 BR$4,775

Purchase Price Calculator

Maximum purchase price
$230,825

Cost breakdown

+Likely effective rent$1,970
HUD FMR$1,790
Market rent$2,120
Est. payment standard (110%)Used$1,970
Estimated payment standard is $1,970 (110% of FMR).
-Principal and interest-$1,167
Loan amount$184,660
Down payment$46,165
Rate6.50%
Term30 years
-Operating costs-$603
Property taxes-$231
Insurance-$175
Utilities$0
HOA$0
Management-$197
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,564(68.4% ROI)
Projected value
$248,573
Current value$230,825
Return breakdown
Property appreciation+$17,748
Loan principal paid down+$6,616
Rental cash flow+$7,200
5-year hold
+$54,130(117.3% ROI)
Projected value
$261,157
Current value$230,825
Return breakdown
Property appreciation+$30,332
Loan principal paid down+$11,798
Rental cash flow+$12,000
10-year hold
+$116,763(252.9% ROI)
Projected value
$295,475
Current value$230,825
Return breakdown
Property appreciation+$64,650
Loan principal paid down+$28,112
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
0.74ratio
FMR$1,480
Market$2,000
vs market-$520

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

90% standard$1,332 / 0.67 ratio110% standard$1,628 / 0.81 ratio
0.74
1 BR
1 BR
0.79ratio
FMR$1,620
Market$2,060
vs market-$440

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

90% standard$1,458 / 0.71 ratio110% standard$1,782 / 0.87 ratio
0.79
2 BR
2 BR
0.84ratio
FMR$1,790
Market$2,120
vs market-$330

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

90% standard$1,611 / 0.76 ratio110% standard$1,969 / 0.93 ratio
0.84
3 BR
3 BR
0.92ratio
FMR$2,240
Market$2,440
vs market-$200

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

90% standard$2,016 / 0.83 ratio110% standard$2,464 / 1.01 ratio
0.92
4 BR
4 BR
0.97ratio
FMR$2,730
Market$2,810
vs market-$80

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

90% standard$2,457 / 0.87 ratio110% standard$3,003 / 1.07 ratio
0.97
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 20622 (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.

20622 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 20622 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,790 and the 4 bedroom fair market rent is $2,730.

Use this page for searches like 20622 FMR, 20622 fair market rent, and 20622 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 20622
Bedroom sizeHUD FMR
Studio$1,480
1 bedroom$1,620
2 bedroom$1,790
3 bedroom$2,240
4 bedroom$2,730