21284
ZIPSAFMR
Baltimore County, MD
BRFMR
Eff. Rent
0 BR$1,320$1,370
1 BR$1,460$1,610
2 BR$1,800$1,980
3 BR$2,290$2,490
4 BR$2,550$2,810
5 BR$2,933
6 BR$3,372
7 BR$3,878
8 BR$4,460

Purchase Price Calculator

Maximum purchase price
$232,311

Cost breakdown

+Likely effective rent$1,980
HUD FMR$1,800
Market rent$2,090
Est. payment standard (110%)Used$1,980
Estimated payment standard is $1,980 (110% of FMR).
-Principal and interest-$1,175
Loan amount$185,849
Down payment$46,462
Rate6.50%
Term30 years
-Operating costs-$605
Property taxes-$232
Insurance-$175
Utilities$0
HOA$0
Management-$198
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,721(68.3% ROI)
Projected value
$250,173
Current value$232,311
Return breakdown
Property appreciation+$17,863
Loan principal paid down+$6,659
Rental cash flow+$7,200
5-year hold
+$54,401(117.1% ROI)
Projected value
$262,838
Current value$232,311
Return breakdown
Property appreciation+$30,528
Loan principal paid down+$11,874
Rental cash flow+$12,000
10-year hold
+$117,360(252.6% ROI)
Projected value
$297,377
Current value$232,311
Return breakdown
Property appreciation+$65,067
Loan principal paid down+$28,293
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
0.95ratio
FMR$1,320
Market$1,390
vs market-$70

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

90% standard$1,188 / 0.85 ratio110% standard$1,452 / 1.04 ratio
0.95
1 BR
1 BR
0.84ratio
FMR$1,460
Market$1,730
vs market-$270

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

90% standard$1,314 / 0.76 ratio110% standard$1,606 / 0.93 ratio
0.84
2 BR
2 BR
0.86ratio
FMR$1,800
Market$2,090
vs market-$290

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

90% standard$1,620 / 0.78 ratio110% standard$1,980 / 0.95 ratio
0.86
3 BR
3 BR
0.88ratio
FMR$2,290
Market$2,600
vs market-$310

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

90% standard$2,061 / 0.79 ratio110% standard$2,519 / 0.97 ratio
0.88
4 BR
4 BR
0.74ratio
FMR$2,550
Market$3,430
vs market-$880

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

90% standard$2,295 / 0.67 ratio110% standard$2,805 / 0.82 ratio
0.74
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 21284 (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.

21284 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 21284 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,800 and the 4 bedroom fair market rent is $2,550.

Use this page for searches like 21284 FMR, 21284 fair market rent, and 21284 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 21284
Bedroom sizeHUD FMR
Studio$1,320
1 bedroom$1,460
2 bedroom$1,800
3 bedroom$2,290
4 bedroom$2,550