HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in St. Mary's County, Maryland (FY 2027)
A two-bedroom in St. Mary's County carries a FY 2027 Fair Market Rent of $1,787 a month, effective October 1, 2026 through September 30, 2027. Everything Section 8 pays in St. Mary's keys off that figure.
Two-bedroom FMR
$1,787
-2.5% from FY 2026
Payment standard
$1,608–$1,966
90% to 110% of the FMR, two-bedroom
Income to afford
$71,480
a year, with rent at 30% of income
Rank in Maryland
14th of 24
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $1,328 | $1,195–$1,461 | $53,120 | $25.54/hr | -4.7% |
| 1 bedroom | $1,642 | $1,478–$1,806 | $65,680 | $31.58/hr | -1.8% |
| 2 bedroom | $1,787 | $1,608–$1,966 | $71,480 | $34.37/hr | -2.5% |
| 3 bedroom | $2,242 | $2,018–$2,466 | $89,680 | $43.12/hr | -1.0% |
| 4 bedroom | $2,853 | $2,568–$3,138 | $114,120 | $54.87/hr | -1.2% |
Five to eight 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 | $3,281 | $2,953–$3,609 |
| 6 bedroom Estimate | $3,709 | $3,338–$4,080 |
| 7 bedroom Estimate | $4,137 | $3,723–$4,551 |
| 8 bedroom Estimate | $4,565 | $4,109–$5,022 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in St. Mary's actually rent for?
Search any address in St. Mary's for a rent estimate built from nearby comps, with the HUD figure right next to it.
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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 St. Mary's somewhere between $1,608 and $1,966. 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.
$1,787 a month is affordable, by HUD's 30% rule, on an income of roughly $71,480 a year. Put another way, $34 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$1,608 | Voucher pays at 100%$1,787 | Voucher pays at 110%$1,966 |
|---|---|---|---|---|
| $2,500 | $750 | $858 | $1,037 | $1,216 |
| $4,000 | $1,200 | $408 | $587 | $766 |
Rate history
The two-bedroom rate went down 3% from FY 2026 ($1,833) to FY 2027 ($1,787). Since FY 2020 it's up 35% in total, about 4.3% a year. The Maryland median moved up 2% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $865 | $1,091 | $1,328 | $1,856 | $2,275 | — |
| FY 2021 | $891 | $1,102 | $1,343 | $1,892 | $2,258 | +1.1% |
| FY 2022 | $1,058 | $1,126 | $1,372 | $1,920 | $2,218 | +2.2% |
| FY 2023 | $1,304 | $1,323 | $1,597 | $2,168 | $2,475 | +16.4% |
| FY 2024 | $1,470 | $1,492 | $1,755 | $2,277 | $2,662 | +9.9% |
| FY 2025 | $1,493 | $1,624 | $1,831 | $2,285 | $2,818 | +4.3% |
| FY 2026 | $1,394 | $1,672 | $1,833 | $2,264 | $2,889 | +0.1% |
| FY 2027In effect | $1,328 | $1,642 | $1,787 | $2,242 | $2,853 | -2.5% |
About this rate
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 2027 that's October 1, 2026 through September 30, 2027. In St. Mary's, that runs from $1,328 for a studio up to $2,853 for four bedrooms, all five rates in the table above.
St. Mary's is its own HUD metro area (St. Mary's County, MD), so the rate here is set from rents inside the county rather than a wider region.
Among Maryland's 24 counties, St. Mary's ranks 14th for two-bedroom FMR. That's about 5% below the state median of $1,875 and about 68% above the national median county at $1,063. About 115,126 people live here, 12th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,650 in 20609 (Avenue) and $2,240 in 20670 (Patuxent River), with the 28 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 |
|---|---|---|---|
| 20606 | Abell | $1,790 | +0.2% |
| 20609 | Avenue | $1,650 | -7.7% |
| 20618 | Bushwood | $1,720 | -3.7% |
| 20619 | California | $2,060 | +15.3% |
| 20620 | Callaway | $1,650 | -7.7% |
| 20621 | Chaptico | $1,650 | -7.7% |
| 20622 | Charlotte Hall | $1,820 | +1.8% |
| 20624 | Clements | $1,650 | -7.7% |
| 20626 | Coltons Point | $1,720 | -3.7% |
| 20627 | Compton | $1,790 | +0.2% |
| 20628 | Dameron | $1,790 | +0.2% |
| 20630 | Drayden | $1,790 | +0.2% |
| 20634 | Great Mills | $1,680 | -6.0% |
| 20635 | Helen | $1,787County rate | — |
| 20636 | Hollywood | $1,650 | -7.7% |
| 20650 | Leonardtown | $1,890 | +5.8% |
| 20653 | Lexington Park | $1,710 | -4.3% |
| 20656 | Loveville | $1,890 | +5.8% |
| 20659 | Mechanicsville | $1,720 | -3.7% |
| 20660 | Morganza | $1,790 | +0.2% |
| 20667 | Park Hall | $1,710 | -4.3% |
| 20670 | Patuxent River | $2,240 | +25.3% |
| 20674 | Piney Point | $1,820 | +1.8% |
| 20680 | Ridge | $1,790 | +0.2% |
| 20684 | Saint Inigoes | $1,790 | +0.2% |
| 20686 | Saint Marys City | $1,790 | +0.2% |
| 20687 | Scotland | $1,790 | +0.2% |
| 20690 | Tall Timbers | $1,820 | +1.8% |
| 20692 | Valley Lee | $1,780 | -0.4% |
Nearby counties
Two-bedroom FMR, with how each compares to St. Mary's.
Calvert County
19 mi · 94,313 people
$1,890
+6%
Charles County
26 mi · 170,527 people
$2,438
+36%
Dorchester County
32 mi · 32,754 people
$1,159
-35%
Talbot County
41 mi · 37,917 people
$1,421
-20%
Somerset County
43 mi · 24,822 people
$1,144
-36%
Prince George's County
47 mi · 959,754 people
$2,438
+36%
Anne Arundel County
52 mi · 598,166 people
$2,006
+12%
Wicomico County
52 mi · 104,914 people
$1,428
-20%
Questions people ask
$1,787 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $1,328 for a studio, $1,642 for one bedroom, $2,242 for three and $2,853 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
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
The income a household needs for a given rent
What does a rental in St. Mary's actually go for?
HUD's number is one input. Search any address in St. Mary's for a rent estimate built from nearby comps. Free to start, no card.
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