Maryland · FIPS 24023 · HUD FY 2027
Garrett County, Maryland Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Garrett County is $1,014 a month (rent plus utilities), 52% below the Maryland average of $2,103 and 42% below the U.S. average of $1,761. That is up $41 (4.2%) from FY 2026. At 30% of income, a household needs about $40,560 a year to afford it.
- $1,0142-bedroom FMR+$41 (+4.2%) vs FY 2026
- $8771-bedroom FMRMaryland: $1,801 · U.S.: $1,478
- $40,560Income for a 2-bedroom$20/hour full-time
- 23 of 242BR rank in Maryland1 = highest rent
| Unit | Garrett County FY 2027 | FY 2026 | Change | Maryland avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $853 | $848 | +$5 (+0.6%) | $1,704 | $1,379 | $34,120 |
| 1 bedroom | $877 | $864 | +$13 (+1.5%) | $1,801 | $1,478 | $35,080 |
| 2 bedrooms | $1,014 | $973 | +$41 (+4.2%) | $2,103 | $1,761 | $40,560 |
| 3 bedrooms | $1,339 | $1,353 | −$14 (−1.0%) | $2,664 | $2,266 | $53,560 |
| 4 bedrooms | $1,344 | $1,441 | −$97 (−6.7%) | $3,052 | $2,607 | $53,760 |
How Garrett County compares
- Garrett County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across Maryland, 2-bedroom FMRs run from $1,014 (Garrett County) to $2,438 (Charles County).
- Studio to 4-bedroom: $853, $877, $1,014, $1,339, $1,344. HUD derives the other sizes from the 2-bedroom figure with fixed ratios, adjusted where local data warrant.
- HUD also publishes ZIP-level Small Area FMRs. For the 11 ZIP codes mostly in Garrett County (by land area), the 2-bedroom figure ranges from $1,010 to $1,160.
Small Area FMRs by ZIP code in Garrett County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 21520 | $980 | $1,000 | $1,160 | $1,530 | $1,610 | no change | 14% above |
| 21521 | $950 | $980 | $1,120 | $1,520 | $1,600 | +$40 (+3.7%) | 10% above |
| 21523 | $840 | $870 | $1,010 | $1,380 | $1,440 | +$40 (+4.1%) | about the same as |
| 21531 | $850 | $880 | $1,010 | $1,350 | $1,350 | +$40 (+4.1%) | about the same as |
| 21536 | $850 | $880 | $1,010 | $1,350 | $1,350 | +$40 (+4.1%) | about the same as |
| 21538 | $850 | $880 | $1,010 | $1,350 | $1,350 | +$40 (+4.1%) | about the same as |
| 21539 | $860 | $890 | $1,010 | $1,390 | $1,460 | +$40 (+4.1%) | about the same as |
| 21541 | $850 | $880 | $1,010 | $1,350 | $1,390 | −$30 (−2.9%) | about the same as |
| 21550 | $880 | $910 | $1,050 | $1,390 | $1,390 | +$40 (+4.0%) | 4% above |
| 21561 | $860 | $890 | $1,030 | $1,370 | $1,390 | +$40 (+4.0%) | 2% above |
| 21562 | $860 | $890 | $1,010 | $1,390 | $1,480 | +$40 (+4.1%) | about the same as |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
- ZIP-to-county assignment: Census Bureau 2020 ZCTA-to-county relationship file (file dated December 9, 2021), largest land-area overlap.
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.