21529
ZIPSAFMR
Allegany County, MD
BRFMR
Eff. Rent
0 BR$810$820
1 BR$960$810
2 BR$1,130$1,130
3 BR$1,550$1,150
4 BR$1,690$1,330
5 BR$1,943
6 BR$2,235
7 BR$2,570
8 BR$2,956

Purchase Price Calculator

Maximum purchase price
$106,001

Cost breakdown

+Likely effective rent$1,130
HUD FMR$1,130
Market rent$1,130
Est. payment standard (100%)Used$1,130
Estimated payment standard is $1,130 (100% of FMR).
-Principal and interest-$536
Loan amount$84,801
Down payment$21,200
Rate6.50%
Term30 years
-Operating costs-$394
Property taxes-$106
Insurance-$175
Utilities$0
HOA$0
Management-$113
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,389(86.7% ROI)
Projected value
$114,152
Current value$106,001
Return breakdown
Property appreciation+$8,150
Loan principal paid down+$3,038
Rental cash flow+$7,200
5-year hold
+$31,347(147.9% ROI)
Projected value
$119,930
Current value$106,001
Return breakdown
Property appreciation+$13,929
Loan principal paid down+$5,418
Rental cash flow+$12,000
10-year hold
+$66,599(314.1% ROI)
Projected value
$135,690
Current value$106,001
Return breakdown
Property appreciation+$29,689
Loan principal paid down+$12,910
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
0.98ratio
FMR$810
Market$830
vs market-$20

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

90% standard$729 / 0.88 ratio110% standard$891 / 1.07 ratio
0.98
1 BR
1 BR
1.19ratio
FMR$960
Market$810
vs market+$150

FMR is above market; underwrite to market rent.

90% standard$864 / 1.07 ratio110% standard$1,056 / 1.30 ratio
1.19
2 BR
2 BR
1.00ratio
FMR$1,130
Market$1,130
vs market+$0

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

90% standard$1,017 / 0.90 ratio110% standard$1,243 / 1.10 ratio
1.00
3 BR
3 BR
1.35ratio
FMR$1,550
Market$1,150
vs market+$400

FMR is above market; underwrite to market rent.

90% standard$1,395 / 1.21 ratio110% standard$1,705 / 1.48 ratio
1.35
4 BR
4 BR
1.27ratio
FMR$1,690
Market$1,330
vs market+$360

FMR is above market; underwrite to market rent.

90% standard$1,521 / 1.14 ratio110% standard$1,859 / 1.40 ratio
1.27
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 21529 (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.

21529 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 21529 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,130 and the 4 bedroom fair market rent is $1,690.

Use this page for searches like 21529 FMR, 21529 fair market rent, and 21529 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 21529
Bedroom sizeHUD FMR
Studio$810
1 bedroom$960
2 bedroom$1,130
3 bedroom$1,550
4 bedroom$1,690