21146
ZIPSAFMR
Anne Arundel County, MD
BRFMR
Eff. Rent
0 BR$1,630$1,750
1 BR$1,830$1,990
2 BR$2,250$2,370
3 BR$2,880$3,040
4 BR$3,230$3,550
5 BR$3,714
6 BR$4,272
7 BR$4,912
8 BR$5,649

Purchase Price Calculator

Maximum purchase price
$290,265

Cost breakdown

+Likely effective rent$2,370
HUD FMR$2,250
Market rent$2,430
Est. payment standard (105%)Used$2,370
Estimated payment standard is $2,370 (105% of FMR).
-Principal and interest-$1,468
Loan amount$232,212
Down payment$58,053
Rate6.50%
Term30 years
-Operating costs-$702
Property taxes-$290
Insurance-$175
Utilities$0
HOA$0
Management-$237
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,838(65.2% ROI)
Projected value
$312,583
Current value$290,265
Return breakdown
Property appreciation+$22,319
Loan principal paid down+$8,320
Rental cash flow+$7,200
5-year hold
+$64,979(111.9% ROI)
Projected value
$328,408
Current value$290,265
Return breakdown
Property appreciation+$38,143
Loan principal paid down+$14,836
Rental cash flow+$12,000
10-year hold
+$140,650(242.3% ROI)
Projected value
$371,563
Current value$290,265
Return breakdown
Property appreciation+$81,299
Loan principal paid down+$35,352
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
0.90ratio
FMR$1,630
Market$1,820
vs market-$190

FMR is below market; voucher rent may lag private rents.

90% standard$1,467 / 0.81 ratio110% standard$1,793 / 0.99 ratio
0.90
1 BR
1 BR
0.88ratio
FMR$1,830
Market$2,070
vs market-$240

FMR is below market; voucher rent may lag private rents.

90% standard$1,647 / 0.80 ratio110% standard$2,013 / 0.97 ratio
0.88
2 BR
2 BR
0.93ratio
FMR$2,250
Market$2,430
vs market-$180

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

90% standard$2,025 / 0.83 ratio110% standard$2,475 / 1.02 ratio
0.93
3 BR
3 BR
0.92ratio
FMR$2,880
Market$3,130
vs market-$250

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

90% standard$2,592 / 0.83 ratio110% standard$3,168 / 1.01 ratio
0.92
4 BR
4 BR
0.83ratio
FMR$3,230
Market$3,900
vs market-$670

FMR is below market; voucher rent may lag private rents.

90% standard$2,907 / 0.75 ratio110% standard$3,553 / 0.91 ratio
0.83
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 21146 (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.

21146 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 21146 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,250 and the 4 bedroom fair market rent is $3,230.

Use this page for searches like 21146 FMR, 21146 fair market rent, and 21146 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 21146
Bedroom sizeHUD FMR
Studio$1,630
1 bedroom$1,830
2 bedroom$2,250
3 bedroom$2,880
4 bedroom$3,230