Harford County/Aberdeen/21001

21001

ZIPSAFMR

Harford County, MD

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ZIP Investment Score

119Above average

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$1,430	$1,380	5.7%
1 BR	$1,520	$1,570	3.3%
2 BR	$1,880	$1,850	3.4%
3 BR	$2,350	$2,290	2.2%
4 BR	$2,610	$2,770	1.6%
5 BR	$3,001	Not available	1.6%
6 BR	$3,452	Not available	1.6%
7 BR	$3,969	Not available	1.6%
8 BR	$4,565	Not available	1.6%

Purchase Price Calculator

Maximum purchase price

$212,993

Cost breakdown

+Likely effective rent$1,850

HUD FMR$1,880

Market rentUsed$1,850

Est. payment standard (99%)$1,860

-Principal and interest-$1,077

Loan amount$170,394

Down payment$42,599

Rate6.50%

Term30 years

-Operating costs-$573

Property taxes-$213

Insurance-$175

Utilities$0

HOA$0

Management-$185

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$29,682(69.7% ROI)

Projected value

$229,370

Return breakdown

Property appreciation+$16,377

Loan principal paid down+$6,105

Rental cash flow+$7,200

5-year hold

+$50,876(119.4% ROI)

Projected value

$240,982

Return breakdown

Property appreciation+$27,989

Loan principal paid down+$10,887

Rental cash flow+$12,000

10-year hold

+$109,597(257.3% ROI)

Projected value

$272,649

Return breakdown

Property appreciation+$59,656

Loan principal paid down+$25,941

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

1.04ratio

FMR$1,430

Market$1,380

vs market+$50

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

1.04

1 BR

0.95ratio

FMR$1,520

Market$1,600

vs market-$80

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

0.95

2 BR

1.02ratio

FMR$1,880

Market$1,850

vs market+$30

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

1.02

3 BR

1.03ratio

FMR$2,350

Market$2,290

vs market+$60

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

1.03

4 BR

0.92ratio

FMR$2,610

Market$2,850

vs market-$240

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

0.92

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 21001 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 21001 (Aberdeen, MD) is $1,880 a month. That is up 6.2% from $1,770 in FY 2026. Aberdeen is in the Baltimore-Columbia-Towson, MD MSA. 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 $2,006. Among 24 ZIP codes in Harford County, 21001 has the 17th-highest two-bedroom rent (county range $1,680–$3,010).

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 21001
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$1,270	$1,430	+12.6%	$1,287–$1,573
1BR	$1,450	$1,520	+4.8%	$1,368–$1,672
2BR	$1,770	$1,880	+6.2%	$1,692–$2,068
3BR	$2,280	$2,350	+3.1%	$2,115–$2,585
4BR	$2,550	$2,610	+2.4%	$2,349–$2,871

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 21001
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$1,430	$1,520	$1,880	$2,350	$2,610
FY 2026	$1,270	$1,450	$1,770	$2,280	$2,550
FY 2025	$1,270	$1,450	$1,770	$2,280	$2,570
FY 2024	$1,210	$1,380	$1,700	$2,200	$2,490
FY 2023	$940	$1,090	$1,350	$1,750	$2,000

Two-bedroom rent in nearby Harford County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 21001
21001Current	$1,880	—
21005	$2,460	+30.9%
21009	$2,120	+12.8%
21010	$3,010	+60.1%
21013	$1,680	−10.6%
21014	$1,950	+3.7%
21015	$2,140	+13.8%
21017	$2,170	+15.4%
21028	$2,310	+22.9%
21034	$1,680	−10.6%
21040	$1,780	−5.3%
21047	$2,950	+56.9%

Questions about ZIP 21001 rents

How much will Section 8 pay for a two-bedroom in ZIP 21001?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,006, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,805 to $2,207 a month; under the ZIP-level Small Area FMR of $1,880 it would be $1,692 to $2,068. 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 21001 in?

ZIP 21001 is in the Baltimore-Columbia-Towson, MD MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,006.

How much did fair market rent change in ZIP 21001 for FY 2027?

The two-bedroom FMR rose 6.2%, from $1,770 in FY 2026 to $1,880 in FY 2027. Since FY 2023 it has risen 39.3%.

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 rent Aberdeen, MD fair market rent MD statewide rents What is SAFMR?Data sources