20630
ZIPSAFMR
St. Mary's County, MD
BRFMR
Eff. Rent
0 BR$1,390$1,490
1 BR$1,670$1,650
2 BR$1,830$1,990
3 BR$2,260$2,290
4 BR$2,880$2,710
5 BR$3,312
6 BR$3,809
7 BR$4,380
8 BR$5,037

Purchase Price Calculator

Maximum purchase price
$233,797

Cost breakdown

+Likely effective rent$1,990
HUD FMR$1,830
Market rent$2,080
Est. payment standard (109%)Used$1,990
Estimated payment standard is $1,990 (109% of FMR).
-Principal and interest-$1,182
Loan amount$187,037
Down payment$46,759
Rate6.50%
Term30 years
-Operating costs-$608
Property taxes-$234
Insurance-$175
Utilities$0
HOA$0
Management-$199
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,878(68.2% ROI)
Projected value
$251,773
Current value$233,797
Return breakdown
Property appreciation+$17,977
Loan principal paid down+$6,701
Rental cash flow+$7,200
5-year hold
+$54,673(116.9% ROI)
Projected value
$264,519
Current value$233,797
Return breakdown
Property appreciation+$30,723
Loan principal paid down+$11,950
Rental cash flow+$12,000
10-year hold
+$117,957(252.3% ROI)
Projected value
$299,280
Current value$233,797
Return breakdown
Property appreciation+$65,483
Loan principal paid down+$28,474
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
0.90ratio
FMR$1,390
Market$1,550
vs market-$160

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

90% standard$1,251 / 0.81 ratio110% standard$1,529 / 0.99 ratio
0.90
1 BR
1 BR
1.01ratio
FMR$1,670
Market$1,650
vs market+$20

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

90% standard$1,503 / 0.91 ratio110% standard$1,837 / 1.11 ratio
1.01
2 BR
2 BR
0.88ratio
FMR$1,830
Market$2,080
vs market-$250

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

90% standard$1,647 / 0.79 ratio110% standard$2,013 / 0.97 ratio
0.88
3 BR
3 BR
0.98ratio
FMR$2,260
Market$2,310
vs market-$50

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

90% standard$2,034 / 0.88 ratio110% standard$2,486 / 1.08 ratio
0.98
4 BR
4 BR
1.06ratio
FMR$2,880
Market$2,710
vs market+$170

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

90% standard$2,592 / 0.96 ratio110% standard$3,168 / 1.17 ratio
1.06
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 20630 (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.

20630 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 20630 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,830 and the 4 bedroom fair market rent is $2,880.

Use this page for searches like 20630 FMR, 20630 fair market rent, and 20630 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 20630
Bedroom sizeHUD FMR
Studio$1,390
1 bedroom$1,670
2 bedroom$1,830
3 bedroom$2,260
4 bedroom$2,880