FY2027 Small Area FMR · Harwood, MD

ZIP 20776 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 20776 (Harwood, MD) is $2,570 a month, up 20.1% from FY2026. That is 28% above the Baltimore-Columbia-Towson, MD area-wide FMR of $2,006.

2-bedroom SAFMR$2,570per month ▲ 20.1%

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

Rank in the area30thof 191 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,313

2 BR Small Area FMR$2,570

110% of SAFMR$2,827

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

Studio$1,990▲ 22.8%

1 BR$2,110▲ 19.2%

2 BR$2,570▲ 20.1%

3 BR$3,220▲ 18.4%

4 BR$3,610▲ 18.8%

FY2027 FY2026

Where 20776 sits in the Baltimore-Columbia-Towson, MD area

Of the 191 ZIP codes HUD lists for the area, 20776 has the 30th 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 $2,570 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	$1,990	$1,791 – $2,189	$1,523	$1,620
1 bedroom	$2,110	$1,899 – $2,321	$1,625	$1,770
2 bedrooms	$2,570	$2,313 – $2,827	$2,006	$2,140
3 bedrooms	$3,220	$2,898 – $3,542	$2,509	$2,720
4 bedrooms	$3,610	$3,249 – $3,971	$2,789	$3,040

A household renting a two-bedroom home at the Small Area FMR of $2,570 needs about $102,800 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 20776 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
20765	Galesville	2.6 mi	$2,520
20778	West River	3.0 mi	$2,520
21037	Edgewater	3.6 mi	$2,750
20764	Shady Side	4.6 mi	$2,870
20733	Churchton	5.1 mi	$2,520
21140	Riva	5.3 mi	$2,830

Questions

What is the Fair Market Rent for ZIP code 20776?

HUD's FY2027 Small Area Fair Market Rents for 20776 are $1,990 (studio), $2,110 (1 BR), $2,570 (2 BR), $3,220 (3 BR) and $3,610 (4 BR) a month.

What is the Section 8 payment standard in 20776?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 20776 that range is $2,313 to $2,827 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 20776?

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.