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Baltimore County/Hunt Valley/21065

21065

ZIPFMR
Baltimore County, MD
Zillow
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,523$1,510
1 BR$1,625$1,790
2 BR$2,006$2,160
3 BR$2,509$2,760
4 BR$2,789$3,070
5 BR$3,207Not available
6 BR$3,688Not available
7 BR$4,242Not available
8 BR$4,878Not available

Purchase Price Calculator

Maximum purchase price
$259,059

Cost breakdown

+Likely effective rent$2,160
HUD FMR$2,006
Market rent$2,250
Est. payment standard (108%)Used$2,160
-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
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
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
Return breakdown
Property appreciation+$72,558
Loan principal paid down+$31,551
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.01
1 BR
0.85
2 BR
0.89
3 BR
0.83
4 BR
0.81
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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ZIP 21065 fair market rent, FY 2027

For FY 2027, HUD's Fair Market Rent for a two-bedroom unit in ZIP 21065 (Hunt Valley, MD) is $2,006 a month. That is up 8.0% from $1,857 in FY 2026. Hunt Valley is in the Baltimore-Columbia-Towson, MD MSA. The median county two-bedroom FMR in Maryland is $1,875, so ZIP 21065 is 7% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 21065
BedroomsFY 2027Change90–110% range
Studio$1,523+11.8%$1,371–$1,675
1BR$1,625+7.5%$1,463–$1,788
2BR$2,006+8.0%$1,805–$2,207
3BR$2,509+6.4%$2,258–$2,760
4BR$2,789+6.8%$2,510–$3,068

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 21065
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,523$1,625$2,006$2,509$2,789
FY 2026$1,362$1,511$1,857$2,358$2,611
FY 2025$1,407$1,604$1,965$2,529$2,826
FY 2024$1,379$1,582$1,943$2,519$2,849
FY 2023$1,082$1,254$1,548$2,009$2,298

Questions about ZIP 21065 rents

How much will Section 8 pay for a two-bedroom in ZIP 21065?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,006, that basic range is $1,805 to $2,207 a month. 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 21065 in?

ZIP 21065 is in the Baltimore-Columbia-Towson, MD MSA. Small Area FMRs are not mandatory in this area.

How much did fair market rent change in ZIP 21065 for FY 2027?

The two-bedroom FMR rose 8.0%, from $1,857 in FY 2026 to $2,006 in FY 2027. Since FY 2023 it has risen 29.6%.

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 Fair Market Rents. 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 rentHunt Valley, MD fair market rentMD statewide rentsWhat is SAFMR?Data sources