FY2027 Small Area FMR · Galesville, MD

ZIP 20765 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 20765 (Galesville, MD) is $2,520 a month, up 42.4% from FY2026. That is 26% above the Baltimore-Columbia-Towson, MD area-wide FMR of $2,006.

2-bedroom SAFMR$2,520per month ▲ 42.4%

Area-wide 2 BR FMR$2,006Baltimore-Columbia-Towson, M

Rank in the area42ndof 191 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,268

2 BR Small Area FMR$2,520

110% of SAFMR$2,772

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

Studio$1,910▲ 48.1%

1 BR$2,040▲ 40.7%

2 BR$2,520▲ 42.4%

3 BR$3,150▲ 38.2%

4 BR$3,500▲ 37.3%

FY2027 FY2026

Where 20765 sits in the Baltimore-Columbia-Towson, MD area

Of the 191 ZIP codes HUD lists for the area, 20765 has the 42nd highest two-bedroom Small Area FMR. Baltimore-Columbia-Towson, 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 $2,006 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,520 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	$1,910	$1,719 – $2,101	$1,523	$1,290
1 bedroom	$2,040	$1,836 – $2,244	$1,625	$1,450
2 bedrooms	$2,520	$2,268 – $2,772	$2,006	$1,770
3 bedrooms	$3,150	$2,835 – $3,465	$2,509	$2,280
4 bedrooms	$3,500	$3,150 – $3,850	$2,789	$2,550

A household renting a two-bedroom home at the Small Area FMR of $2,520 needs about $100,800 a year to keep housing costs at 30% of income. The area median family income is $134,000 and the 80% low-income limit for four people is $106,800. ZIP code 20765 lies mainly in Anne Arundel County. See the Baltimore-Columbia-Towson, MD metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
20778	West River	1.8 mi	$2,520
20764	Shady Side	2.2 mi	$2,870
20733	Churchton	2.6 mi	$2,520
20776	Harwood	2.6 mi	$2,570
20751	Deale	3.4 mi	$2,520
21037	Edgewater	5.3 mi	$2,750

Questions

What is the Fair Market Rent for ZIP code 20765?

HUD's FY2027 Small Area Fair Market Rents for 20765 are $1,910 (studio), $2,040 (1 BR), $2,520 (2 BR), $3,150 (3 BR) and $3,500 (4 BR) a month.

What is the Section 8 payment standard in 20765?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 20765 that range is $2,268 to $2,772 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 20765?

The FY2026 income limits of the Baltimore-Columbia-Towson, MD area apply: median family income $134,000, low-income (80%) limit $106,800 for a family of four.