FY2027 Small Area FMR · Churchville, MD

ZIP 21028 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 21028 (Churchville, MD) is $2,310 a month, up 11.1% from FY2026. That is 15% above the Baltimore-Columbia-Towson, MD area-wide FMR of $2,006.

2-bedroom SAFMR$2,310per month ▲ 11.1%

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

Rank in the area70thof 191 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,079

2 BR Small Area FMR$2,310

110% of SAFMR$2,541

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

Studio$1,750▲ 14.4%

1 BR$1,870▲ 9.4%

2 BR$2,310▲ 11.1%

3 BR$2,890▲ 7.8%

4 BR$3,210▲ 7.4%

FY2027 FY2026

Where 21028 sits in the Baltimore-Columbia-Towson, MD area

Of the 191 ZIP codes HUD lists for the area, 21028 has the 70th 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 $2,310 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	$1,750	$1,575 – $1,925	$1,523	$1,530
1 bedroom	$1,870	$1,683 – $2,057	$1,625	$1,710
2 bedrooms	$2,310	$2,079 – $2,541	$2,006	$2,080
3 bedrooms	$2,890	$2,601 – $3,179	$2,509	$2,680
4 bedrooms	$3,210	$2,889 – $3,531	$2,789	$2,990

A household renting a two-bedroom home at the Small Area FMR of $2,310 needs about $92,400 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 21028 lies mainly in Harford 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
21015	Bel Air	2.7 mi	$2,140
21001	Aberdeen	5.0 mi	$1,880
21034	Darlington	5.3 mi	$1,680
21078	Havre De Grace	5.8 mi	$1,720
21014	Bel Air	5.8 mi	$1,950
21017	Belcamp	6.3 mi	$2,170

Questions

What is the Fair Market Rent for ZIP code 21028?

HUD's FY2027 Small Area Fair Market Rents for 21028 are $1,750 (studio), $1,870 (1 BR), $2,310 (2 BR), $2,890 (3 BR) and $3,210 (4 BR) a month.

What is the Section 8 payment standard in 21028?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 21028 that range is $2,079 to $2,541 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 21028?

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.