20658
ZIPSAFMR
Charles County, MD
BRFMR
Eff. Rent
0 BR$1,800$1,810
1 BR$1,860$1,840
2 BR$2,070$2,080
3 BR$2,610$2,420
4 BR$3,070$2,700
5 BR$3,530
6 BR$4,060
7 BR$4,669
8 BR$5,369

Purchase Price Calculator

Maximum purchase price
$247,171

Cost breakdown

+Likely effective rent$2,080
HUD FMR$2,070
Market rent$2,080
Est. payment standard (100%)Used$2,080
Estimated payment standard is $2,080 (100% of FMR).
-Principal and interest-$1,250
Loan amount$197,737
Down payment$49,434
Rate6.50%
Term30 years
-Operating costs-$630
Property taxes-$247
Insurance-$175
Utilities$0
HOA$0
Management-$208
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$33,290(67.3% ROI)
Projected value
$266,176
Current value$247,171
Return breakdown
Property appreciation+$19,005
Loan principal paid down+$7,084
Rental cash flow+$7,200
5-year hold
+$57,114(115.5% ROI)
Projected value
$279,651
Current value$247,171
Return breakdown
Property appreciation+$32,480
Loan principal paid down+$12,633
Rental cash flow+$12,000
10-year hold
+$123,332(249.5% ROI)
Projected value
$316,399
Current value$247,171
Return breakdown
Property appreciation+$69,229
Loan principal paid down+$30,103
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
0.99ratio
FMR$1,800
Market$1,810
vs market-$10

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

90% standard$1,620 / 0.90 ratio110% standard$1,980 / 1.09 ratio
0.99
1 BR
1 BR
1.01ratio
FMR$1,860
Market$1,840
vs market+$20

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

90% standard$1,674 / 0.91 ratio110% standard$2,046 / 1.11 ratio
1.01
2 BR
2 BR
1.00ratio
FMR$2,070
Market$2,080
vs market-$10

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

90% standard$1,863 / 0.90 ratio110% standard$2,277 / 1.09 ratio
1.00
3 BR
3 BR
1.08ratio
FMR$2,610
Market$2,420
vs market+$190

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

90% standard$2,349 / 0.97 ratio110% standard$2,871 / 1.19 ratio
1.08
4 BR
4 BR
1.14ratio
FMR$3,070
Market$2,700
vs market+$370

FMR is above market; underwrite to market rent.

90% standard$2,763 / 1.02 ratio110% standard$3,377 / 1.25 ratio
1.14
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 20658 (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.

20658 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 20658 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,070 and the 4 bedroom fair market rent is $3,070.

Use this page for searches like 20658 FMR, 20658 fair market rent, and 20658 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 20658
Bedroom sizeHUD FMR
Studio$1,800
1 bedroom$1,860
2 bedroom$2,070
3 bedroom$2,610
4 bedroom$3,070