20874
ZIPSAFMR
Montgomery County, MD
BRFMR
Eff. Rent
0 BR$1,930$1,690
1 BR$1,990$1,950
2 BR$2,220$2,160
3 BR$2,800$2,810
4 BR$3,290$3,170
5 BR$3,783
6 BR$4,351
7 BR$5,004
8 BR$5,754

Purchase Price Calculator

Maximum purchase price
$259,059

Cost breakdown

+Likely effective rent$2,160
HUD FMR$2,220
Market rentUsed$2,160
Est. payment standard (98%)$2,180
Market rent is below the inferred standard ($2,180, 98% of FMR).
-Principal and interest-$1,310
Loan amount$207,247
Down payment$51,812
Rate6.50%
Term30 years
-Operating costs-$650
Property taxes-$259
Insurance-$175
Utilities$0
HOA$0
Management-$216
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,544(66.7% ROI)
Projected value
$278,978
Current value$259,059
Return breakdown
Property appreciation+$19,919
Loan principal paid down+$7,425
Rental cash flow+$7,200
5-year hold
+$59,283(114.4% ROI)
Projected value
$293,101
Current value$259,059
Return breakdown
Property appreciation+$34,042
Loan principal paid down+$13,241
Rental cash flow+$12,000
10-year hold
+$128,109(247.3% ROI)
Projected value
$331,617
Current value$259,059
Return breakdown
Property appreciation+$72,558
Loan principal paid down+$31,551
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
1.14ratio
FMR$1,930
Market$1,690
vs market+$240

FMR is above market; underwrite to market rent.

90% standard$1,737 / 1.03 ratio110% standard$2,123 / 1.26 ratio
1.14
1 BR
1 BR
1.02ratio
FMR$1,990
Market$1,950
vs market+$40

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

90% standard$1,791 / 0.92 ratio110% standard$2,189 / 1.12 ratio
1.02
2 BR
2 BR
1.03ratio
FMR$2,220
Market$2,160
vs market+$60

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

90% standard$1,998 / 0.92 ratio110% standard$2,442 / 1.13 ratio
1.03
3 BR
3 BR
1.00ratio
FMR$2,800
Market$2,810
vs market-$10

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

90% standard$2,520 / 0.90 ratio110% standard$3,080 / 1.10 ratio
1.00
4 BR
4 BR
1.04ratio
FMR$3,290
Market$3,170
vs market+$120

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

90% standard$2,961 / 0.93 ratio110% standard$3,619 / 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 20874 (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.

20874 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 20874 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,220 and the 4 bedroom fair market rent is $3,290.

Use this page for searches like 20874 FMR, 20874 fair market rent, and 20874 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 20874
Bedroom sizeHUD FMR
Studio$1,930
1 bedroom$1,990
2 bedroom$2,220
3 bedroom$2,800
4 bedroom$3,290