21077
ZIPSAFMR
Anne Arundel County, MD
BRFMR
Eff. Rent
0 BR$1,980$1,990
1 BR$2,200$1,810
2 BR$2,700$2,310
3 BR$3,430$2,700
4 BR$3,800$3,340
5 BR$4,370
6 BR$5,025
7 BR$5,779
8 BR$6,646

Purchase Price Calculator

Maximum purchase price
$281,349

Cost breakdown

+Likely effective rent$2,310
HUD FMR$2,700
Market rentUsed$2,310
Est. payment standard (91%)$2,450
Market rent is below the inferred standard ($2,450, 91% of FMR).
-Principal and interest-$1,423
Loan amount$225,079
Down payment$56,270
Rate6.50%
Term30 years
-Operating costs-$687
Property taxes-$281
Insurance-$175
Utilities$0
HOA$0
Management-$231
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,897(65.6% ROI)
Projected value
$302,982
Current value$281,349
Return breakdown
Property appreciation+$21,633
Loan principal paid down+$8,064
Rental cash flow+$7,200
5-year hold
+$63,352(112.6% ROI)
Projected value
$318,320
Current value$281,349
Return breakdown
Property appreciation+$36,972
Loan principal paid down+$14,380
Rental cash flow+$12,000
10-year hold
+$137,067(243.6% ROI)
Projected value
$360,150
Current value$281,349
Return breakdown
Property appreciation+$78,801
Loan principal paid down+$34,266
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
0.99ratio
FMR$1,980
Market$1,990
vs market-$10

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

90% standard$1,782 / 0.90 ratio110% standard$2,178 / 1.09 ratio
0.99
1 BR
1 BR
1.22ratio
FMR$2,200
Market$1,810
vs market+$390

FMR is above market; underwrite to market rent.

90% standard$1,980 / 1.09 ratio110% standard$2,420 / 1.34 ratio
1.22
2 BR
2 BR
1.17ratio
FMR$2,700
Market$2,310
vs market+$390

FMR is above market; underwrite to market rent.

90% standard$2,430 / 1.05 ratio110% standard$2,970 / 1.29 ratio
1.17
3 BR
3 BR
1.27ratio
FMR$3,430
Market$2,700
vs market+$730

FMR is above market; underwrite to market rent.

90% standard$3,087 / 1.14 ratio110% standard$3,773 / 1.40 ratio
1.27
4 BR
4 BR
1.14ratio
FMR$3,800
Market$3,340
vs market+$460

FMR is above market; underwrite to market rent.

90% standard$3,420 / 1.02 ratio110% standard$4,180 / 1.25 ratio
1.14
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 21077 (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.

21077 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 21077 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,700 and the 4 bedroom fair market rent is $3,800.

Use this page for searches like 21077 FMR, 21077 fair market rent, and 21077 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 21077
Bedroom sizeHUD FMR
Studio$1,980
1 bedroom$2,200
2 bedroom$2,700
3 bedroom$3,430
4 bedroom$3,800