FY2027 Small Area FMR · Sunderland, MD

ZIP 20689 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 20689 (Sunderland, MD) is $1,760 a month, down 1.7% from FY2026. That is 7% below the Calvert County, MD area-wide FMR of $1,890.

2-bedroom SAFMR$1,760per month ▼ 1.7%

Area-wide 2 BR FMR$1,890Calvert County, MD

Rank in the area10thof 15 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,584

2 BR Small Area FMR$1,760

110% of SAFMR$1,936

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

Studio$1,370▼ 7.4%

1 BR$1,380▼ 7.4%

2 BR$1,760▼ 1.7%

3 BR$2,430▲ 3.8%

4 BR$2,750■ 0.0%

FY2027 FY2026

Where 20689 sits in the Calvert County, MD area

Of the 15 ZIP codes HUD lists for the area, 20689 has the 10th highest two-bedroom Small Area FMR. Calvert 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 $1,890 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,760 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	$1,370	$1,233 – $1,507	$1,630	$1,480
1 bedroom	$1,380	$1,242 – $1,518	$1,666	$1,490
2 bedrooms	$1,760	$1,584 – $1,936	$1,890	$1,790
3 bedrooms	$2,430	$2,187 – $2,673	$2,617	$2,340
4 bedrooms	$2,750	$2,475 – $3,025	$2,959	$2,750

A household renting a two-bedroom home at the Small Area FMR of $1,760 needs about $70,400 a year to keep housing costs at 30% of income. The area median family income is $149,900 and the 80% low-income limit for four people is $106,800. ZIP code 20689 lies mainly in Calvert County. See the Calvert County, MD county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
20732	Chesapeake Beach	2.1 mi	$1,910
20736	Owings	3.2 mi	$1,750
20639	Huntingtown	4.5 mi	$1,550
20714	North Beach	4.8 mi	$2,070
20758	Friendship	4.9 mi	$1,990
20754	Dunkirk	5.9 mi	$2,620

Questions

What is the Fair Market Rent for ZIP code 20689?

HUD's FY2027 Small Area Fair Market Rents for 20689 are $1,370 (studio), $1,380 (1 BR), $1,760 (2 BR), $2,430 (3 BR) and $2,750 (4 BR) a month.

What is the Section 8 payment standard in 20689?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 20689 that range is $1,584 to $1,936 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 20689?

The FY2026 income limits of the Calvert County, MD area apply: median family income $149,900, low-income (80%) limit $106,800 for a family of four.