21057
ZIPSAFMR
Baltimore County, MD
BRFMR
Eff. Rent
0 BR$1,510$1,300
1 BR$1,720$1,430
2 BR$2,110$2,080
3 BR$2,710$2,530
4 BR$3,030$3,040
5 BR$3,484
6 BR$4,007
7 BR$4,608
8 BR$5,299

Purchase Price Calculator

Maximum purchase price
$247,171

Cost breakdown

+Likely effective rent$2,080
HUD FMR$2,110
Market rentUsed$2,080
Est. payment standard (99%)$2,090
Market rent is below the inferred standard ($2,090, 99% of FMR).
-Principal and interest-$1,250
Loan amount$197,737
Down payment$49,434
Rate6.50%
Term30 years
-Operating costs-$630
Property taxes-$247
Insurance-$175
Utilities$0
HOA$0
Management-$208
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$33,290(67.3% ROI)
Projected value
$266,176
Current value$247,171
Return breakdown
Property appreciation+$19,005
Loan principal paid down+$7,084
Rental cash flow+$7,200
5-year hold
+$57,114(115.5% ROI)
Projected value
$279,651
Current value$247,171
Return breakdown
Property appreciation+$32,480
Loan principal paid down+$12,633
Rental cash flow+$12,000
10-year hold
+$123,332(249.5% ROI)
Projected value
$316,399
Current value$247,171
Return breakdown
Property appreciation+$69,229
Loan principal paid down+$30,103
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
1.16ratio
FMR$1,510
Market$1,300
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,359 / 1.05 ratio110% standard$1,661 / 1.28 ratio
1.16
1 BR
1 BR
1.20ratio
FMR$1,720
Market$1,430
vs market+$290

FMR is above market; underwrite to market rent.

90% standard$1,548 / 1.08 ratio110% standard$1,892 / 1.32 ratio
1.20
2 BR
2 BR
1.01ratio
FMR$2,110
Market$2,080
vs market+$30

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

90% standard$1,899 / 0.91 ratio110% standard$2,321 / 1.12 ratio
1.01
3 BR
3 BR
1.07ratio
FMR$2,710
Market$2,530
vs market+$180

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

90% standard$2,439 / 0.96 ratio110% standard$2,981 / 1.18 ratio
1.07
4 BR
4 BR
0.99ratio
FMR$3,030
Market$3,050
vs market-$20

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

90% standard$2,727 / 0.89 ratio110% standard$3,333 / 1.09 ratio
0.99
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 21057 (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.

21057 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 21057 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,110 and the 4 bedroom fair market rent is $3,030.

Use this page for searches like 21057 FMR, 21057 fair market rent, and 21057 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 21057
Bedroom sizeHUD FMR
Studio$1,510
1 bedroom$1,720
2 bedroom$2,110
3 bedroom$2,710
4 bedroom$3,030