Metro FMR area · MD · HUD FY 2027

St. Mary's County, MD Fair Market Rent

HUD’s FY 2027 Fair Market Rent for a 2-bedroom in the St. Mary's County, MD area is $1,787 a month, 15% below the Maryland average and 1% above the U.S. average of $1,761. ZIP-level Small Area FMRs for its 28 ZIP codes range from $1,650 to $2,240.

$1,7872-bedroom FMR−$46 (−2.5%) vs FY 2026
$1,6421-bedroom FMRU.S.: $1,478
$71,480Income for a 2-bedroomat 30% of income
115,126Residents1 county

Can you afford the Fair Market Rent here?

Uses the common 30%-of-gross-income guideline. Results update as you type and stay in your browser.

Household income ($ per year, before tax)

Default: the income a 2-bedroom here needs at 30%.

Unit size

Rent you can afford at 30% of income$1,787/month

2-bedroom Fair Market Rent and the income it needs
Area	Fair Market Rent	Income needed	Share of your income
St. Mary's County, MD FMR	$1,787	$71,480	–
Maryland average	$2,103	$84,105	–
U.S. average	$1,761	$70,432	–

St. Mary's County, MD Fair Market Rents, FY 2027 vs FY 2026
Unit	St. Mary's County, MD FY 2027	FY 2026	Change	Maryland avg	U.S. avg	Income needed
Studio	$1,328	$1,394	−$66 (−4.7%)	$1,704	$1,379	$53,120
1 bedroom	$1,642	$1,672	−$30 (−1.8%)	$1,801	$1,478	$65,680
2 bedrooms	$1,787	$1,833	−$46 (−2.5%)	$2,103	$1,761	$71,480
3 bedrooms	$2,242	$2,264	−$22 (−1.0%)	$2,664	$2,266	$89,680
4 bedrooms	$2,853	$2,889	−$36 (−1.2%)	$3,052	$2,607	$114,120

Counties in this FMR area

Counties in the St. Mary's County, MD FMR area
County	Residents in area
St. Mary's County, MD	115,126

Small Area FMRs by ZIP code

Small Area FMRs apply to Housing Choice Vouchers where HUD requires them or the housing authority opts in; otherwise the metro FMR above applies. The median ZIP’s 2-bedroom SAFMR is $1,790.

Filter ZIP codes

FY 2027 Small Area Fair Market Rents, St. Mary's County, MD
ZIP	Studio	1BR	2BR	3BR	4BR	2BR vs FY 2026	2BR vs area FMR
20606	$1,330	$1,640	$1,790	$2,250	$2,860	−$40 (−2.2%)	about the same as
20609	$1,260	$1,510	$1,650	$2,040	$2,610	−$180 (−9.8%)	8% below
20618	$1,280	$1,580	$1,720	$2,160	$2,750	+$70 (+4.2%)	4% below
20619	$1,530	$1,890	$2,060	$2,580	$3,290	+$10 (+0.5%)	15% above
20620	$1,260	$1,510	$1,650	$2,040	$2,610	no change	8% below
20621	$1,260	$1,510	$1,650	$2,040	$2,610	−$150 (−8.3%)	8% below
20622	$1,500	$1,660	$1,820	$2,310	$2,790	+$30 (+1.7%)	2% above
20624	$1,260	$1,510	$1,650	$2,040	$2,610	−$180 (−9.8%)	8% below
20626	$1,280	$1,580	$1,720	$2,160	$2,750	+$70 (+4.2%)	4% below
20627	$1,330	$1,640	$1,790	$2,250	$2,860	−$40 (−2.2%)	about the same as
20628	$1,330	$1,640	$1,790	$2,250	$2,860	−$40 (−2.2%)	about the same as
20630	$1,330	$1,640	$1,790	$2,250	$2,860	−$40 (−2.2%)	about the same as
20634	$1,260	$1,540	$1,680	$2,110	$2,680	no change	6% below
20636	$1,260	$1,510	$1,650	$2,040	$2,610	no change	8% below
20650	$1,400	$1,740	$1,890	$2,370	$3,020	−$60 (−3.1%)	6% above
20653	$1,270	$1,570	$1,710	$2,150	$2,730	−$60 (−3.4%)	4% below
20656	$1,400	$1,740	$1,890	$2,370	$3,020	−$60 (−3.1%)	6% above
20659	$1,300	$1,580	$1,720	$2,160	$2,750	−$170 (−9.0%)	4% below
20660	$1,330	$1,650	$1,790	$2,250	$2,870	−$130 (−6.8%)	about the same as
20667	$1,270	$1,570	$1,710	$2,150	$2,730	−$60 (−3.4%)	4% below
20670	$1,670	$2,060	$2,240	$2,810	$3,580	−$10 (−0.4%)	25% above
20674	$1,350	$1,670	$1,820	$2,280	$2,910	−$40 (−2.2%)	2% above
20680	$1,330	$1,640	$1,790	$2,250	$2,860	−$40 (−2.2%)	about the same as
20684	$1,330	$1,640	$1,790	$2,250	$2,860	−$40 (−2.2%)	about the same as
20686	$1,330	$1,640	$1,790	$2,250	$2,860	−$40 (−2.2%)	about the same as
20687	$1,330	$1,640	$1,790	$2,250	$2,860	−$40 (−2.2%)	about the same as
20690	$1,350	$1,670	$1,820	$2,280	$2,910	−$40 (−2.2%)	2% above
20692	$1,320	$1,640	$1,780	$2,230	$2,840	−$40 (−2.2%)	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).

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.