21017
ZIPSAFMR
Harford County, MD
BRFMR
Eff. Rent
0 BR$1,520$1,520
1 BR$1,680$1,690
2 BR$2,070$2,000
3 BR$2,630$2,270
4 BR$2,910$2,910
5 BR$3,346
6 BR$3,848
7 BR$4,426
8 BR$5,090

Purchase Price Calculator

Maximum purchase price
$235,283

Cost breakdown

+Likely effective rent$2,000
HUD FMR$2,070
Market rentUsed$2,000
Est. payment standard (98%)$2,020
Market rent is below the inferred standard ($2,020, 98% of FMR).
-Principal and interest-$1,190
Loan amount$188,226
Down payment$47,057
Rate6.50%
Term30 years
-Operating costs-$610
Property taxes-$235
Insurance-$175
Utilities$0
HOA$0
Management-$200
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,035(68.1% ROI)
Projected value
$253,374
Current value$235,283
Return breakdown
Property appreciation+$18,091
Loan principal paid down+$6,744
Rental cash flow+$7,200
5-year hold
+$54,944(116.8% ROI)
Projected value
$266,201
Current value$235,283
Return breakdown
Property appreciation+$30,918
Loan principal paid down+$12,026
Rental cash flow+$12,000
10-year hold
+$118,554(251.9% ROI)
Projected value
$301,182
Current value$235,283
Return breakdown
Property appreciation+$65,899
Loan principal paid down+$28,655
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
1.00ratio
FMR$1,520
Market$1,520
vs market+$0

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

90% standard$1,368 / 0.90 ratio110% standard$1,672 / 1.10 ratio
1.00
1 BR
1 BR
0.99ratio
FMR$1,680
Market$1,690
vs market-$10

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

90% standard$1,512 / 0.89 ratio110% standard$1,848 / 1.09 ratio
0.99
2 BR
2 BR
1.03ratio
FMR$2,070
Market$2,000
vs market+$70

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

90% standard$1,863 / 0.93 ratio110% standard$2,277 / 1.14 ratio
1.03
3 BR
3 BR
1.16ratio
FMR$2,630
Market$2,270
vs market+$360

FMR is above market; underwrite to market rent.

90% standard$2,367 / 1.04 ratio110% standard$2,893 / 1.27 ratio
1.16
4 BR
4 BR
1.00ratio
FMR$2,910
Market$2,910
vs market+$0

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

90% standard$2,619 / 0.90 ratio110% standard$3,201 / 1.10 ratio
1.00
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 21017 (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.

21017 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 21017 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,070 and the 4 bedroom fair market rent is $2,910.

Use this page for searches like 21017 FMR, 21017 fair market rent, and 21017 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 21017
Bedroom sizeHUD FMR
Studio$1,520
1 bedroom$1,680
2 bedroom$2,070
3 bedroom$2,630
4 bedroom$2,910