21791
ZIPSAFMR
Frederick County, MD
BRFMR
Eff. Rent
0 BR$1,190$1,310
1 BR$1,270$1,400
2 BR$1,490$1,640
3 BR$1,890$1,980
4 BR$2,150$2,250
5 BR$2,473
6 BR$2,843
7 BR$3,270
8 BR$3,760

Purchase Price Calculator

Maximum purchase price
$181,787

Cost breakdown

+Likely effective rent$1,640
HUD FMR$1,490
Market rent$1,770
Est. payment standard (110%)Used$1,640
Estimated payment standard is $1,640 (110% of FMR).
-Principal and interest-$919
Loan amount$145,429
Down payment$36,357
Rate6.50%
Term30 years
-Operating costs-$521
Property taxes-$182
Insurance-$175
Utilities$0
HOA$0
Management-$164
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,388(72.6% ROI)
Projected value
$195,765
Current value$181,787
Return breakdown
Property appreciation+$13,978
Loan principal paid down+$5,210
Rental cash flow+$7,200
5-year hold
+$45,180(124.3% ROI)
Projected value
$205,675
Current value$181,787
Return breakdown
Property appreciation+$23,888
Loan principal paid down+$9,292
Rental cash flow+$12,000
10-year hold
+$97,056(266.9% ROI)
Projected value
$232,703
Current value$181,787
Return breakdown
Property appreciation+$50,916
Loan principal paid down+$22,140
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.78ratio
FMR$1,190
Market$1,530
vs market-$340

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

90% standard$1,071 / 0.70 ratio110% standard$1,309 / 0.86 ratio
0.78
1 BR
1 BR
0.76ratio
FMR$1,270
Market$1,670
vs market-$400

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

90% standard$1,143 / 0.68 ratio110% standard$1,397 / 0.84 ratio
0.76
2 BR
2 BR
0.84ratio
FMR$1,490
Market$1,770
vs market-$280

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

90% standard$1,341 / 0.76 ratio110% standard$1,639 / 0.93 ratio
0.84
3 BR
3 BR
0.93ratio
FMR$1,890
Market$2,030
vs market-$140

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

90% standard$1,701 / 0.84 ratio110% standard$2,079 / 1.02 ratio
0.93
4 BR
4 BR
0.93ratio
FMR$2,150
Market$2,300
vs market-$150

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

90% standard$1,935 / 0.84 ratio110% standard$2,365 / 1.03 ratio
0.93
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 21791 (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.

21791 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 21791 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,490 and the 4 bedroom fair market rent is $2,150.

Use this page for searches like 21791 FMR, 21791 fair market rent, and 21791 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 21791
Bedroom sizeHUD FMR
Studio$1,190
1 bedroom$1,270
2 bedroom$1,490
3 bedroom$1,890
4 bedroom$2,150