HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Allegany County, Maryland (FY 2026)
A two-bedroom in Allegany County carries a FY 2026 Fair Market Rent of $973 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Allegany keys off that figure.
2 bedroom FMR
$973
FY 2026, utilities included
Payment standard range
$876 to $1,070
90% to 110% of FMR
Income to afford 2BR
$38,920
per year, at 30% of income
Rank in Maryland
23rd of 24
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Allegany moves to $1,014. That's up 4%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Allegany actually rent for?
Search any address in Allegany for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $694 | $625 to $763 | $27,760 | $13.35/hr | +6.0% |
| 1 bedroom | $823 | $741 to $905 | $32,920 | $15.83/hr | +10.2% |
| 2 bedroom | $973 | $876 to $1,070 | $38,920 | $18.71/hr | +4.3% |
| 3 bedroom | $1,333 | $1,200 to $1,466 | $53,320 | $25.63/hr | +8.7% |
| 4 bedroom | $1,452 | $1,307 to $1,597 | $58,080 | $27.92/hr | +4.6% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $1,670 | $1,503 to $1,837 |
| 6 bedroom Estimate | $1,888 | $1,699 to $2,077 |
| 7 bedroom Estimate | $2,105 | $1,895 to $2,316 |
| 8 bedroom Estimate | $2,323 | $2,091 to $2,555 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Allegany, that runs from $694 for a studio up to $1,452 for four bedrooms, all five rates in the table above.
Because Allegany sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Cumberland included.
Among Maryland's 24 counties, Allegany ranks 23rd for two-bedroom FMR. That's about 47% below the state median of $1,845 and about 4% below the national median county at $1,018. About 68,161 people live here, 16th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $970 in 21539 (Lonaconing) and $1,420 in 21530 (Flintstone), with the 20 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 21501 | Cumberland | $980 | +0.7% |
| 21502 | Cumberland | $1,010 | +3.8% |
| 21503 | Cumberland | $980 | +0.7% |
| 21504 | Cumberland | $973County rate | — |
| 21505 | Cumberland | $980 | +0.7% |
| 21521 | Barton | $1,080 | +11.0% |
| 21524 | Corriganville | $1,020 | +4.8% |
| 21528 | Eckhart Mines | $980 | +0.7% |
| 21529 | Ellerslie | $1,130 | +16.1% |
| 21530 | Flintstone | $1,420 | +45.9% |
| 21532 | Frostburg | $1,030 | +5.9% |
| 21539 | Lonaconing | $970 | -0.3% |
| 21540 | Luke | $970 | -0.3% |
| 21542 | Midland | $970 | -0.3% |
| 21543 | Midlothian | $1,030 | +5.9% |
| 21545 | Mount Savage | $970 | -0.3% |
| 21555 | Oldtown | $1,110 | +14.1% |
| 21556 | Pinto | $973County rate | — |
| 21557 | Rawlings | $1,040 | +6.9% |
| 21560 | Spring Gap | $980 | +0.7% |
| 21562 | Westernport | $970 | -0.3% |
| 21766 | Little Orleans | $970 | -0.3% |
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Allegany somewhere between $876 and $1,070. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$973 a month is affordable, by HUD's 30% rule, on an income of roughly $38,920 a year. Put another way, $19 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($876) | HAP at 100% ($973) | HAP at 110% ($1,070) |
|---|---|---|---|---|
| $2,500 | $750 | $126 | $223 | $320 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 4% from FY 2025 ($933) to FY 2026 ($973). Since FY 2020 it's up 36% in total, about 5.3% a year. The Maryland median moved down 3% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $519 | $587 | $714 | $961 | $1,192 | — |
| FY 2021 | $499 | $587 | $734 | $965 | $1,223 | +2.8% |
| FY 2022 | $503 | $606 | $757 | $987 | $1,261 | +3.1% |
| FY 2023 | $560 | $668 | $838 | $1,073 | $1,356 | +10.7% |
| FY 2024 | $624 | $736 | $920 | $1,186 | $1,453 | +9.8% |
| FY 2025 | $655 | $747 | $933 | $1,226 | $1,388 | +1.4% |
| FY 2026 | $694 | $823 | $973 | $1,333 | $1,452 | +4.3% |
| FY 2027 | $862 | $888 | $1,014 | $1,383 | $1,468 | +4.2% |
Nearby counties
Garrett County
$97323 mi · pop 28,856
Washington County
$1,26158 mi · pop 154,645
Frederick County
$2,24677 mi · pop 273,829
Carroll County
$1,85797 mi · pop 173,225
Montgomery County
$2,24697 mi · pop 1,056,910
Howard County
$1,857106 mi · pop 332,011
Prince George's County
$2,246115 mi · pop 957,189
Baltimore County
$1,857119 mi · pop 850,737
Questions people ask
$973 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $694 for a studio, $823 for one bedroom, $1,333 for three and $1,452 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in Allegany actually go for?
HUD's number is one input. Search any address in Allegany for a rent estimate built from nearby comps. 3 free searches, no card.
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