FY2027 Small Area FMR · Saint Marys City, MD

ZIP 20686 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 20686 (Saint Marys City, MD) is $1,790 a month, down 2.2% from FY2026. That is 0% equal to the St. Mary's County, MD area-wide FMR of $1,787.

2-bedroom SAFMR$1,790per month ▼ 2.2%

Area-wide 2 BR FMR$1,787St. Mary's County, MD

Rank in the area8thof 28 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,611

2 BR Small Area FMR$1,790

110% of SAFMR$1,969

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$1,330▼ 4.3%

1 BR$1,640▼ 1.8%

2 BR$1,790▼ 2.2%

3 BR$2,250▼ 0.4%

4 BR$2,860▼ 0.7%

FY2027 FY2026

Where 20686 sits in the St. Mary's County, MD area

Of the 28 ZIP codes HUD lists for the area, 20686 has the 8th highest two-bedroom Small Area FMR. St. Mary's County, MD is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $1,787 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,790 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,330	$1,197 – $1,463	$1,328	$1,390
1 bedroom	$1,640	$1,476 – $1,804	$1,642	$1,670
2 bedrooms	$1,790	$1,611 – $1,969	$1,787	$1,830
3 bedrooms	$2,250	$2,025 – $2,475	$2,242	$2,260
4 bedrooms	$2,860	$2,574 – $3,146	$2,853	$2,880

A household renting a two-bedroom home at the Small Area FMR of $1,790 needs about $71,600 a year to keep housing costs at 30% of income. The area median family income is $154,400 and the 80% low-income limit for four people is $106,800. ZIP code 20686 lies mainly in St. Mary's County. See the St. Mary's County, MD county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
20667	Park Hall	2.8 mi	$1,710
20630	Drayden	3.0 mi	$1,790
20684	Saint Inigoes	3.1 mi	$1,790
20692	Valley Lee	3.8 mi	$1,780
20653	Lexington Park	4.1 mi	$1,710
20674	Piney Point	4.7 mi	$1,820

Questions

What is the Fair Market Rent for ZIP code 20686?

HUD's FY2027 Small Area Fair Market Rents for 20686 are $1,330 (studio), $1,640 (1 BR), $1,790 (2 BR), $2,250 (3 BR) and $2,860 (4 BR) a month.

What is the Section 8 payment standard in 20686?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 20686 that range is $1,611 to $1,969 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 20686?

The FY2026 income limits of the St. Mary's County, MD area apply: median family income $154,400, low-income (80%) limit $106,800 for a family of four.