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Cecil County/North East/21901

21901

ZIPSAFMR
Cecil County, MD
Zillow

ZIP Investment Score

112Above average

095130300
BRFMR
Eff. Rent
0 BR$1,450$1,600
1 BR$1,570$1,690
2 BR$1,880$1,890
3 BR$2,240$2,200
4 BR$2,470$2,380
5 BR$2,841Not available
6 BR$3,267Not available
7 BR$3,757Not available
8 BR$4,320Not available

Purchase Price Calculator

Maximum purchase price
$218,937

Cost breakdown

+Likely effective rent$1,890
HUD FMR$1,880
Market rent$1,900
Est. payment standard (101%)Used$1,890
-Principal and interest-$1,107
Loan amount$175,149
Down payment$43,787
Rate6.50%
Term30 years
-Operating costs-$583
Property taxes-$219
Insurance-$175
Utilities$0
HOA$0
Management-$189
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,309(69.2% ROI)
Projected value
$235,771
Return breakdown
Property appreciation+$16,834
Loan principal paid down+$6,275
Rental cash flow+$7,200
5-year hold
+$51,960(118.7% ROI)
Projected value
$247,707
Return breakdown
Property appreciation+$28,770
Loan principal paid down+$11,190
Rental cash flow+$12,000
10-year hold
+$111,985(255.7% ROI)
Projected value
$280,258
Return breakdown
Property appreciation+$61,321
Loan principal paid down+$26,665
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.79
1 BR
0.89
2 BR
0.99
3 BR
1.02
4 BR
1.04
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 21901 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 21901 (North East, MD) is $1,880 a month. That is up 2.7% from $1,830 in FY 2026. North East is in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 16 ZIP codes in Cecil County, 21901 has the 3rd-highest two-bedroom rent (county range $1,230–$2,200).

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 21901
BedroomsFY 2027Change90–110% range
Studio$1,450+2.8%$1,305–$1,595
1BR$1,570+1.9%$1,413–$1,727
2BR$1,880+2.7%$1,692–$2,068
3BR$2,240+2.3%$2,016–$2,464
4BR$2,470+0.8%$2,223–$2,717

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 21901
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,450$1,570$1,880$2,240$2,470
FY 2026$1,410$1,540$1,830$2,190$2,450
FY 2025$1,390$1,540$1,830$2,200$2,510
FY 2024$1,320$1,470$1,760$2,130$2,450
FY 2023$1,110$1,250$1,510$1,840$2,140

Two-bedroom rent in nearby Cecil County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 21901
21901Current$1,880—
21902$1,390−26.1%
21903$1,390−26.1%
21904$1,650−12.2%
21911$1,600−14.9%
21912$1,580−16.0%
21913$1,340−28.7%
21914$1,840−2.1%
21915$1,230−34.6%
21917$1,530−18.6%
21918$1,400−25.5%
21919$2,200+17.0%

Questions about ZIP 21901 rents

How much will Section 8 pay for a two-bedroom in ZIP 21901?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,880, that basic range is $1,692 to $2,068 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 21901 in?

ZIP 21901 is in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 21901 for FY 2027?

The two-bedroom FMR rose 2.7%, from $1,830 in FY 2026 to $1,880 in FY 2027. Since FY 2023 it has risen 24.5%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentNorth East, MD fair market rentMD statewide rentsWhat is SAFMR?Data sources