21158
ZIPSAFMR
Carroll County, MD
BRFMR
Eff. Rent
0 BR$1,470$1,350
1 BR$1,630$1,420
2 BR$2,010$1,800
3 BR$2,550$2,320
4 BR$2,830$2,760
5 BR$3,254
6 BR$3,743
7 BR$4,304
8 BR$4,950

Purchase Price Calculator

Maximum purchase price
$205,563

Cost breakdown

+Likely effective rent$1,800
HUD FMR$2,010
Market rentUsed$1,800
Est. payment standard (93%)$1,870
Market rent is below the inferred standard ($1,870, 93% of FMR).
-Principal and interest-$1,039
Loan amount$164,450
Down payment$41,113
Rate6.50%
Term30 years
-Operating costs-$561
Property taxes-$206
Insurance-$175
Utilities$0
HOA$0
Management-$180
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,898(70.3% ROI)
Projected value
$221,369
Current value$205,563
Return breakdown
Property appreciation+$15,806
Loan principal paid down+$5,892
Rental cash flow+$7,200
5-year hold
+$49,519(120.4% ROI)
Projected value
$232,575
Current value$205,563
Return breakdown
Property appreciation+$27,013
Loan principal paid down+$10,507
Rental cash flow+$12,000
10-year hold
+$106,611(259.3% ROI)
Projected value
$263,138
Current value$205,563
Return breakdown
Property appreciation+$57,575
Loan principal paid down+$25,036
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
1.09ratio
FMR$1,470
Market$1,350
vs market+$120

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

90% standard$1,323 / 0.98 ratio110% standard$1,617 / 1.20 ratio
1.09
1 BR
1 BR
1.15ratio
FMR$1,630
Market$1,420
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,467 / 1.03 ratio110% standard$1,793 / 1.26 ratio
1.15
2 BR
2 BR
1.12ratio
FMR$2,010
Market$1,800
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,809 / 1.01 ratio110% standard$2,211 / 1.23 ratio
1.12
3 BR
3 BR
1.10ratio
FMR$2,550
Market$2,320
vs market+$230

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

90% standard$2,295 / 0.99 ratio110% standard$2,805 / 1.21 ratio
1.10
4 BR
4 BR
1.03ratio
FMR$2,830
Market$2,760
vs market+$70

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

90% standard$2,547 / 0.92 ratio110% standard$3,113 / 1.13 ratio
1.03
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 21158 (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.

21158 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 21158 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,010 and the 4 bedroom fair market rent is $2,830.

Use this page for searches like 21158 FMR, 21158 fair market rent, and 21158 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 21158
Bedroom sizeHUD FMR
Studio$1,470
1 bedroom$1,630
2 bedroom$2,010
3 bedroom$2,550
4 bedroom$2,830