21762
ZIPSAFMR
Frederick County, MD
BRFMR
Eff. Rent
0 BR$1,300$1,430
1 BR$1,370$1,510
2 BR$1,590$1,750
3 BR$2,010$2,210
4 BR$2,310$2,540
5 BR$2,657
6 BR$3,055
7 BR$3,513
8 BR$4,040

Purchase Price Calculator

Maximum purchase price
$198,133

Cost breakdown

+Likely effective rent$1,750
HUD FMR$1,590
Market rent$2,290
Est. payment standard (110%)Used$1,750
Estimated payment standard is $1,750 (110% of FMR).
-Principal and interest-$1,002
Loan amount$158,506
Down payment$39,627
Rate6.50%
Term30 years
-Operating costs-$548
Property taxes-$198
Insurance-$175
Utilities$0
HOA$0
Management-$175
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,113(70.9% ROI)
Projected value
$213,367
Current value$198,133
Return breakdown
Property appreciation+$15,235
Loan principal paid down+$5,679
Rental cash flow+$7,200
5-year hold
+$48,163(121.5% ROI)
Projected value
$224,169
Current value$198,133
Return breakdown
Property appreciation+$26,036
Loan principal paid down+$10,127
Rental cash flow+$12,000
10-year hold
+$103,625(261.5% ROI)
Projected value
$253,627
Current value$198,133
Return breakdown
Property appreciation+$55,494
Loan principal paid down+$24,131
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
0.53ratio
FMR$1,300
Market$2,470
vs market-$1,170

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

0.53
1 BR
1 BR
0.64ratio
FMR$1,370
Market$2,140
vs market-$770

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

90% standard$1,233 / 0.58 ratio110% standard$1,507 / 0.70 ratio
0.64
2 BR
2 BR
0.69ratio
FMR$1,590
Market$2,290
vs market-$700

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

90% standard$1,431 / 0.62 ratio110% standard$1,749 / 0.76 ratio
0.69
3 BR
3 BR
0.73ratio
FMR$2,010
Market$2,750
vs market-$740

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

90% standard$1,809 / 0.66 ratio110% standard$2,211 / 0.80 ratio
0.73
4 BR
4 BR
0.73ratio
FMR$2,310
Market$3,150
vs market-$840

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

90% standard$2,079 / 0.66 ratio110% standard$2,541 / 0.81 ratio
0.73
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for 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 21762 (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.

21762 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 21762 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,590 and the 4 bedroom fair market rent is $2,310.

Use this page for searches like 21762 FMR, 21762 fair market rent, and 21762 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 21762
Bedroom sizeHUD FMR
Studio$1,300
1 bedroom$1,370
2 bedroom$1,590
3 bedroom$2,010
4 bedroom$2,310