20661
ZIPSAFMR
Charles County, MD
BRFMR
Eff. Rent
0 BR$1,900$2,090
1 BR$1,960$2,140
2 BR$2,190$2,310
3 BR$2,760$2,540
4 BR$3,250$2,920
5 BR$3,737
6 BR$4,298
7 BR$4,943
8 BR$5,684

Purchase Price Calculator

Maximum purchase price
$281,349

Cost breakdown

+Likely effective rent$2,310
HUD FMR$2,190
Market rent$2,380
Est. payment standard (106%)Used$2,310
Estimated payment standard is $2,310 (106% of FMR).
-Principal and interest-$1,423
Loan amount$225,079
Down payment$56,270
Rate6.50%
Term30 years
-Operating costs-$687
Property taxes-$281
Insurance-$175
Utilities$0
HOA$0
Management-$231
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,897(65.6% ROI)
Projected value
$302,982
Current value$281,349
Return breakdown
Property appreciation+$21,633
Loan principal paid down+$8,064
Rental cash flow+$7,200
5-year hold
+$63,352(112.6% ROI)
Projected value
$318,320
Current value$281,349
Return breakdown
Property appreciation+$36,972
Loan principal paid down+$14,380
Rental cash flow+$12,000
10-year hold
+$137,067(243.6% ROI)
Projected value
$360,150
Current value$281,349
Return breakdown
Property appreciation+$78,801
Loan principal paid down+$34,266
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
0.84ratio
FMR$1,900
Market$2,270
vs market-$370

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

90% standard$1,710 / 0.75 ratio110% standard$2,090 / 0.92 ratio
0.84
1 BR
1 BR
0.88ratio
FMR$1,960
Market$2,240
vs market-$280

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

90% standard$1,764 / 0.79 ratio110% standard$2,156 / 0.96 ratio
0.88
2 BR
2 BR
0.92ratio
FMR$2,190
Market$2,380
vs market-$190

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

90% standard$1,971 / 0.83 ratio110% standard$2,409 / 1.01 ratio
0.92
3 BR
3 BR
1.09ratio
FMR$2,760
Market$2,540
vs market+$220

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

90% standard$2,484 / 0.98 ratio110% standard$3,036 / 1.20 ratio
1.09
4 BR
4 BR
1.11ratio
FMR$3,250
Market$2,920
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$2,925 / 1.00 ratio110% standard$3,575 / 1.22 ratio
1.11
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 20661 (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.

20661 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 20661 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,190 and the 4 bedroom fair market rent is $3,250.

Use this page for searches like 20661 FMR, 20661 fair market rent, and 20661 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 20661
Bedroom sizeHUD FMR
Studio$1,900
1 bedroom$1,960
2 bedroom$2,190
3 bedroom$2,760
4 bedroom$3,250