20678
ZIPSAFMR
Calvert County, MD
BRFMR
Eff. Rent
0 BR$1,220$1,340
1 BR$1,220$1,340
2 BR$1,470$1,620
3 BR$1,920$2,110
4 BR$2,260$2,490
5 BR$2,599
6 BR$2,989
7 BR$3,437
8 BR$3,953

Purchase Price Calculator

Maximum purchase price
$178,815

Cost breakdown

+Likely effective rent$1,620
HUD FMR$1,470
Market rent$2,240
Est. payment standard (110%)Used$1,620
Estimated payment standard is $1,620 (110% of FMR).
-Principal and interest-$904
Loan amount$143,052
Down payment$35,763
Rate6.50%
Term30 years
-Operating costs-$516
Property taxes-$179
Insurance-$175
Utilities$0
HOA$0
Management-$162
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,074(72.9% ROI)
Projected value
$192,564
Current value$178,815
Return breakdown
Property appreciation+$13,749
Loan principal paid down+$5,125
Rental cash flow+$7,200
5-year hold
+$44,637(124.8% ROI)
Projected value
$202,313
Current value$178,815
Return breakdown
Property appreciation+$23,498
Loan principal paid down+$9,140
Rental cash flow+$12,000
10-year hold
+$95,861(268.0% ROI)
Projected value
$228,898
Current value$178,815
Return breakdown
Property appreciation+$50,083
Loan principal paid down+$21,778
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
0.72ratio
FMR$1,220
Market$1,690
vs market-$470

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

90% standard$1,098 / 0.65 ratio110% standard$1,342 / 0.79 ratio
0.72
1 BR
1 BR
0.73ratio
FMR$1,220
Market$1,680
vs market-$460

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

90% standard$1,098 / 0.65 ratio110% standard$1,342 / 0.80 ratio
0.73
2 BR
2 BR
0.66ratio
FMR$1,470
Market$2,240
vs market-$770

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

90% standard$1,323 / 0.59 ratio110% standard$1,617 / 0.72 ratio
0.66
3 BR
3 BR
0.76ratio
FMR$1,920
Market$2,520
vs market-$600

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

90% standard$1,728 / 0.69 ratio110% standard$2,112 / 0.84 ratio
0.76
4 BR
4 BR
0.78ratio
FMR$2,260
Market$2,910
vs market-$650

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

90% standard$2,034 / 0.70 ratio110% standard$2,486 / 0.85 ratio
0.78
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 20678 (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.

20678 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 20678 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,470 and the 4 bedroom fair market rent is $2,260.

Use this page for searches like 20678 FMR, 20678 fair market rent, and 20678 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 20678
Bedroom sizeHUD FMR
Studio$1,220
1 bedroom$1,220
2 bedroom$1,470
3 bedroom$1,920
4 bedroom$2,260