HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Calvert County, Maryland (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Calvert County is $2,083 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$2,083
FY 2026, utilities included
Payment standard range
$1,875 to $2,291
90% to 110% of FMR
Income to afford 2BR
$83,320
per year, at 30% of income
Rank in Maryland
5th of 24
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Calvert moves to $1,890. That's down 9%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Calvert actually rent for?
Search any address in Calvert 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 | $1,811 | $1,630 to $1,992 | $72,440 | $34.83/hr | -10.0% |
| 1 bedroom | $1,851 | $1,666 to $2,036 | $74,040 | $35.60/hr | -10.0% |
| 2 bedroom | $2,083 | $1,875 to $2,291 | $83,320 | $40.06/hr | -10.0% |
| 3 bedroom | $2,639 | $2,375 to $2,903 | $105,560 | $50.75/hr | -8.8% |
| 4 bedroom | $3,106 | $2,795 to $3,417 | $124,240 | $59.73/hr | -9.0% |
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 | $3,572 | $3,215 to $3,929 |
| 6 bedroom Estimate | $4,038 | $3,634 to $4,442 |
| 7 bedroom Estimate | $4,504 | $4,054 to $4,954 |
| 8 bedroom Estimate | $4,970 | $4,473 to $5,467 |
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 Calvert, that runs from $1,811 for a studio up to $3,106 for four bedrooms, all five rates in the table above.
Calvert is its own HUD metro area (Calvert County, MD), so the rate here is set from rents inside the county rather than a wider region.
Among Maryland's 24 counties, Calvert ranks 5th for two-bedroom FMR. That's about 13% above the state median of $1,845 and about 105% above the national median county at $1,018. About 93,244 people live here, 15th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,470 in 20678 (Prince Frederick) and $3,000 in 20688 (Solomons), with the 14 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 |
|---|---|---|---|
| 20610 | Barstow | $1,840 | -11.7% |
| 20615 | Broomes Island | $1,860 | -10.7% |
| 20629 | Dowell | $2,540 | +21.9% |
| 20639 | Huntingtown | $1,520 | -27.0% |
| 20657 | Lusby | $1,860 | -10.7% |
| 20676 | Port Republic | $1,970 | -5.4% |
| 20678 | Prince Frederick | $1,470 | -29.4% |
| 20685 | Saint Leonard | $1,860 | -10.7% |
| 20688 | Solomons | $3,000 | +44.0% |
| 20689 | Sunderland | $1,790 | -14.1% |
| 20714 | North Beach | $2,110 | +1.3% |
| 20732 | Chesapeake Beach | $1,980 | -4.9% |
| 20736 | Owings | $1,780 | -14.5% |
| 20754 | Dunkirk | $2,530 | +21.5% |
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 Calvert somewhere between $1,875 and $2,291. 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.
$2,083 a month is affordable, by HUD's 30% rule, on an income of roughly $83,320 a year. Put another way, $40 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% ($1,875) | HAP at 100% ($2,083) | HAP at 110% ($2,291) |
|---|---|---|---|---|
| $2,500 | $750 | $1,125 | $1,333 | $1,541 |
| $4,000 | $1,200 | $675 | $883 | $1,091 |
Rate history
The two-bedroom rate went down 10% from FY 2025 ($2,314) to FY 2026 ($2,083). Since FY 2020 it's up 22% in total, about 3.4% 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 | $1,457 | $1,500 | $1,707 | $2,215 | $2,707 | — |
| FY 2021 | $1,513 | $1,548 | $1,765 | $2,263 | $2,742 | +3.4% |
| FY 2022 | $1,539 | $1,567 | $1,785 | $2,260 | $2,713 | +1.1% |
| FY 2023 | $1,589 | $1,615 | $1,838 | $2,299 | $2,742 | +3.0% |
| FY 2024 | $1,772 | $1,803 | $2,045 | $2,544 | $3,015 | +11.3% |
| FY 2025 | $2,012 | $2,056 | $2,314 | $2,893 | $3,413 | +13.2% |
| FY 2026 | $1,811 | $1,851 | $2,083 | $2,639 | $3,106 | -10.0% |
| FY 2027 | $1,630 | $1,666 | $1,890 | $2,617 | $2,959 | -9.3% |
Nearby counties
St. Mary's County
$1,83319 mi · pop 113,814
Charles County
$2,24623 mi · pop 167,035
Talbot County
$1,40924 mi · pop 37,663
Dorchester County
$1,14427 mi · pop 32,557
Prince George's County
$2,24631 mi · pop 957,189
Anne Arundel County
$1,85732 mi · pop 588,109
Queen Anne's County
$1,85745 mi · pop 50,316
Caroline County
$1,31447 mi · pop 33,320
Questions people ask
$2,083 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,811 for a studio, $1,851 for one bedroom, $2,639 for three and $3,106 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 Calvert actually go for?
HUD's number is one input. Search any address in Calvert for a rent estimate built from nearby comps. 3 free searches, no card.
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