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Calvert County/Port Republic/20676

20676

ZIPSAFMR
Calvert County, MD
Zillow

ZIP Investment Score

62Below average

095130300
BRFMR
Eff. Rent
0 BR$1,540$1,590
1 BR$1,580$1,620
2 BR$1,810$1,960
3 BR$2,510$2,360
4 BR$2,830$2,790
5 BR$3,254Not available
6 BR$3,743Not available
7 BR$4,304Not available
8 BR$4,950Not available

Purchase Price Calculator

Maximum purchase price
$229,339

Cost breakdown

+Likely effective rent$1,960
HUD FMR$1,810
Market rent$2,040
Est. payment standard (108%)Used$1,960
-Principal and interest-$1,160
Loan amount$183,471
Down payment$45,868
Rate6.50%
Term30 years
-Operating costs-$600
Property taxes-$229
Insurance-$175
Utilities$0
HOA$0
Management-$196
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,407(68.5% ROI)
Projected value
$246,973
Return breakdown
Property appreciation+$17,634
Loan principal paid down+$6,573
Rental cash flow+$7,200
5-year hold
+$53,859(117.4% ROI)
Projected value
$259,476
Return breakdown
Property appreciation+$30,137
Loan principal paid down+$11,722
Rental cash flow+$12,000
10-year hold
+$116,166(253.3% ROI)
Projected value
$293,573
Return breakdown
Property appreciation+$64,234
Loan principal paid down+$27,931
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.96
1 BR
0.96
2 BR
0.89
3 BR
1.06
4 BR
1.01
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 20676 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 20676 (Port Republic, MD) is $1,810 a month. That is down 8.1% from $1,970 in FY 2026. Port Republic is in the Calvert County, MD HUD Metro FMR Area. 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 $1,890. Among 15 ZIP codes in Calvert County, 20676 has the 7th-highest two-bedroom rent (county range $1,480–$2,840). The median county two-bedroom FMR in Maryland is $1,875, so ZIP 20676 is 3% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 20676
BedroomsFY 2027Change90–110% range
Studio$1,540−9.9%$1,386–$1,694
1BR$1,580−9.7%$1,422–$1,738
2BR$1,810−8.1%$1,629–$1,991
3BR$2,510−2.0%$2,259–$2,761
4BR$2,830−6.0%$2,547–$3,113

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 20676
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,540$1,580$1,810$2,510$2,830
FY 2026$1,710$1,750$1,970$2,560$3,010
FY 2025$1,900$1,940$2,180$2,730$3,220
FY 2024$1,850$1,880$2,130$2,650$3,140
FY 2023$1,750$1,780$2,020$2,530$3,010

Two-bedroom rent in nearby Calvert County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 20676
20615$1,680−7.2%
20629$2,420+33.7%
20639$1,550−14.4%
20657$1,790−1.1%
20676Current$1,810—
20678$1,480−18.2%
20685$1,680−7.2%
20688$2,840+56.9%
20689$1,760−2.8%
20714$2,070+14.4%
20732$1,910+5.5%
20736$1,750−3.3%

Questions about ZIP 20676 rents

How much will Section 8 pay for a two-bedroom in ZIP 20676?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,890, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,701 to $2,079 a month; under the ZIP-level Small Area FMR of $1,810 it would be $1,629 to $1,991. 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 ZIP 20676 in?

ZIP 20676 is in the Calvert County, MD HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,890.

How much did fair market rent change in ZIP 20676 for FY 2027?

The two-bedroom FMR fell 8.1%, from $1,970 in FY 2026 to $1,810 in FY 2027. Since FY 2023 it has fallen 10.4%.

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

County fair market rentPort Republic, MD fair market rentMD statewide rentsWhat is SAFMR?Data sources