20852
ZIPSAFMR
Montgomery County, MD
BRFMR
Eff. Rent
0 BR$2,470$1,850
1 BR$2,550$2,000
2 BR$2,840$2,500
3 BR$3,580$3,660
4 BR$4,210$4,050
5 BR$4,842
6 BR$5,568
7 BR$6,403
8 BR$7,363

Purchase Price Calculator

Maximum purchase price
$309,582

Cost breakdown

+Likely effective rent$2,500
HUD FMR$2,840
Market rentUsed$2,500
Est. payment standard (92%)$2,620
Market rent is below the inferred standard ($2,620, 92% of FMR).
-Principal and interest-$1,565
Loan amount$247,666
Down payment$61,916
Rate6.50%
Term30 years
-Operating costs-$735
Property taxes-$310
Insurance-$175
Utilities$0
HOA$0
Management-$250
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$39,877(64.4% ROI)
Projected value
$333,386
Current value$309,582
Return breakdown
Property appreciation+$23,804
Loan principal paid down+$8,873
Rental cash flow+$7,200
5-year hold
+$68,505(110.6% ROI)
Projected value
$350,264
Current value$309,582
Return breakdown
Property appreciation+$40,682
Loan principal paid down+$15,823
Rental cash flow+$12,000
10-year hold
+$148,414(239.7% ROI)
Projected value
$396,292
Current value$309,582
Return breakdown
Property appreciation+$86,709
Loan principal paid down+$37,704
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
1.34ratio
FMR$2,470
Market$1,850
vs market+$620

FMR is above market; underwrite to market rent.

90% standard$2,223 / 1.20 ratio110% standard$2,717 / 1.47 ratio
1.34
1 BR
1 BR
1.27ratio
FMR$2,550
Market$2,000
vs market+$550

FMR is above market; underwrite to market rent.

90% standard$2,295 / 1.15 ratio110% standard$2,805 / 1.40 ratio
1.27
2 BR
2 BR
1.14ratio
FMR$2,840
Market$2,500
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$2,556 / 1.02 ratio110% standard$3,124 / 1.25 ratio
1.14
3 BR
3 BR
0.96ratio
FMR$3,580
Market$3,710
vs market-$130

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

90% standard$3,222 / 0.87 ratio110% standard$3,938 / 1.06 ratio
0.96
4 BR
4 BR
1.04ratio
FMR$4,210
Market$4,050
vs market+$160

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

90% standard$3,789 / 0.94 ratio110% standard$4,631 / 1.14 ratio
1.04
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 20852 (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.

20852 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 20852 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,840 and the 4 bedroom fair market rent is $4,210.

Use this page for searches like 20852 FMR, 20852 fair market rent, and 20852 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 20852
Bedroom sizeHUD FMR
Studio$2,470
1 bedroom$2,550
2 bedroom$2,840
3 bedroom$3,580
4 bedroom$4,210