21160
ZIPSAFMR
Harford County, MD
BRFMR
Eff. Rent
0 BR$1,270$1,270
1 BR$1,450$1,450
2 BR$1,770$1,350
3 BR$2,280$1,510
4 BR$2,550$1,560
5 BR$2,933
6 BR$3,372
7 BR$3,878
8 BR$4,460

Purchase Price Calculator

Maximum purchase price
$138,693

Cost breakdown

+Likely effective rent$1,350
HUD FMR$1,770
Market rentUsed$1,350
Est. payment standard (90%)$1,590
Market rent is below the inferred standard ($1,590, 90% of FMR).
-Principal and interest-$701
Loan amount$110,954
Down payment$27,739
Rate6.50%
Term30 years
-Operating costs-$449
Property taxes-$139
Insurance-$175
Utilities$0
HOA$0
Management-$135
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,839(78.7% ROI)
Projected value
$149,357
Current value$138,693
Return breakdown
Property appreciation+$10,664
Loan principal paid down+$3,975
Rental cash flow+$7,200
5-year hold
+$37,314(134.5% ROI)
Projected value
$156,918
Current value$138,693
Return breakdown
Property appreciation+$18,225
Loan principal paid down+$7,089
Rental cash flow+$12,000
10-year hold
+$79,737(287.5% ROI)
Projected value
$177,539
Current value$138,693
Return breakdown
Property appreciation+$38,846
Loan principal paid down+$16,892
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.

2 BR
2 BR
1.31ratio
FMR$1,770
Market$1,350
vs market+$420

FMR is above market; underwrite to market rent.

90% standard$1,593 / 1.18 ratio110% standard$1,947 / 1.44 ratio
1.31
3 BR
3 BR
1.51ratio
FMR$2,280
Market$1,510
vs market+$770

FMR is above market; underwrite to market rent.

90% standard$2,052 / 1.36 ratio110% standard$2,508 / 1.66 ratio
1.51
4 BR
4 BR
1.63ratio
FMR$2,550
Market$1,560
vs market+$990

FMR is above market; underwrite to market rent.

1.63
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 21160 (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.

21160 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 21160 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,770 and the 4 bedroom fair market rent is $2,550.

Use this page for searches like 21160 FMR, 21160 fair market rent, and 21160 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 21160
Bedroom sizeHUD FMR
Studio$1,270
1 bedroom$1,450
2 bedroom$1,770
3 bedroom$2,280
4 bedroom$2,550