20777
ZIPSAFMR
Montgomery County, MD
BRFMR
Eff. Rent
0 BR$2,050$1,520
1 BR$2,250$1,790
2 BR$2,720$2,410
3 BR$3,450$2,880
4 BR$3,860$3,740
5 BR$4,439
6 BR$5,105
7 BR$5,871
8 BR$6,751

Purchase Price Calculator

Maximum purchase price
$296,209

Cost breakdown

+Likely effective rent$2,410
HUD FMR$2,720
Market rentUsed$2,410
Est. payment standard (93%)$2,520
Market rent is below the inferred standard ($2,520, 93% of FMR).
-Principal and interest-$1,498
Loan amount$236,967
Down payment$59,242
Rate6.50%
Term30 years
-Operating costs-$712
Property taxes-$296
Insurance-$175
Utilities$0
HOA$0
Management-$241
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,466(64.9% ROI)
Projected value
$318,984
Current value$296,209
Return breakdown
Property appreciation+$22,776
Loan principal paid down+$8,490
Rental cash flow+$7,200
5-year hold
+$66,064(111.5% ROI)
Projected value
$335,133
Current value$296,209
Return breakdown
Property appreciation+$38,924
Loan principal paid down+$15,140
Rental cash flow+$12,000
10-year hold
+$143,039(241.4% ROI)
Projected value
$379,172
Current value$296,209
Return breakdown
Property appreciation+$82,963
Loan principal paid down+$36,076
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
1.35ratio
FMR$2,050
Market$1,520
vs market+$530

FMR is above market; underwrite to market rent.

90% standard$1,845 / 1.21 ratio110% standard$2,255 / 1.48 ratio
1.35
1 BR
1 BR
1.26ratio
FMR$2,250
Market$1,790
vs market+$460

FMR is above market; underwrite to market rent.

90% standard$2,025 / 1.13 ratio110% standard$2,475 / 1.38 ratio
1.26
2 BR
2 BR
1.13ratio
FMR$2,720
Market$2,410
vs market+$310

FMR is above market; underwrite to market rent.

90% standard$2,448 / 1.02 ratio110% standard$2,992 / 1.24 ratio
1.13
3 BR
3 BR
1.20ratio
FMR$3,450
Market$2,880
vs market+$570

FMR is above market; underwrite to market rent.

90% standard$3,105 / 1.08 ratio110% standard$3,795 / 1.32 ratio
1.20
4 BR
4 BR
1.03ratio
FMR$3,860
Market$3,740
vs market+$120

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

90% standard$3,474 / 0.93 ratio110% standard$4,246 / 1.14 ratio
1.03
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 20777 (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.

20777 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 20777 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,720 and the 4 bedroom fair market rent is $3,860.

Use this page for searches like 20777 FMR, 20777 fair market rent, and 20777 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 20777
Bedroom sizeHUD FMR
Studio$2,050
1 bedroom$2,250
2 bedroom$2,720
3 bedroom$3,450
4 bedroom$3,860