For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 21010 (Gunpowder, MD) is $3,010 a month. That is up 7.9% from $2,790 in FY 2026. Gunpowder 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, 21010 has the highest two-bedroom rent (county range $1,680–$3,010). The median county two-bedroom FMR in Maryland is $1,875, so ZIP 21010 is 61% above it.
FY 2027 rent by bedroom
FY 2027 fair market rent by bedroom for 21010
Bedrooms
FY 2026
FY 2027
Change
90–110% range
Studio
$2,050
$2,290
+11.7%
$2,061–$2,519
1BR
$2,270
$2,440
+7.5%
$2,196–$2,684
2BR
$2,790
$3,010
+7.9%
$2,709–$3,311
3BR
$3,540
$3,760
+6.2%
$3,384–$4,136
4BR
$3,920
$4,180
+6.6%
$3,762–$4,598
Fair market rent history, FY 2023–2027
Fair market rent by fiscal year for 21010
Fiscal year
Studio
1BR
2BR
3BR
4BR
FY 2027
$2,290
$2,440
$3,010
$3,760
$4,180
FY 2026
$2,050
$2,270
$2,790
$3,540
$3,920
FY 2025
$1,310
$1,490
$1,830
$2,350
$2,630
FY 2024
$1,350
$1,550
$1,900
$2,460
$2,790
FY 2023
$1,060
$1,230
$1,520
$1,970
$2,260
Two-bedroom rent in nearby Harford County ZIP codes
How much will Section 8 pay for a two-bedroom in ZIP 21010?
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 $3,010 it would be $2,709 to $3,311. 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 21010 in?
ZIP 21010 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 21010 for FY 2027?
The two-bedroom FMR rose 7.9%, from $2,790 in FY 2026 to $3,010 in FY 2027. Since FY 2023 it has risen 98.0%.
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