FY2027 Small Area FMR · Mount Savage, MD

ZIP 21545 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 21545 (Mount Savage, MD) is $1,010 a month, up 4.1% from FY2026. That is 0% equal to the Allegany County, MD area-wide FMR of $1,014.

2-bedroom SAFMR$1,010per month ▲ 4.1%

Area-wide 2 BR FMR$1,014Allegany County, MD

Rank in the area12thof 21 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$909

2 BR Small Area FMR$1,010

110% of SAFMR$1,111

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

Studio$860▲ 24.6%

1 BR$890▲ 8.5%

2 BR$1,010▲ 4.1%

3 BR$1,390▲ 4.5%

4 BR$1,480▲ 2.1%

FY2027 FY2026

Where 21545 sits in the Allegany County, MD area

Of the 21 ZIP codes HUD lists for the area, 21545 has the 12th highest two-bedroom Small Area FMR. Allegany 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 $1,014 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,010 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	$860	$774 – $946	$862	$690
1 bedroom	$890	$801 – $979	$888	$820
2 bedrooms	$1,010	$909 – $1,111	$1,014	$970
3 bedrooms	$1,390	$1,251 – $1,529	$1,383	$1,330
4 bedrooms	$1,480	$1,332 – $1,628	$1,468	$1,450

A household renting a two-bedroom home at the Small Area FMR of $1,010 needs about $40,400 a year to keep housing costs at 30% of income. The area median family income is $72,700 and the 80% low-income limit for four people is $76,000. ZIP code 21545 lies mainly in Allegany County. See the Allegany County, MD county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
15564	Wellersburg	2.0 mi	$1,010
21524	Corriganville	2.8 mi	$1,010
21529	Ellerslie	4.6 mi	$1,020
21543	Midlothian	6.5 mi	$1,010
21502	Cumberland	6.7 mi	$1,010
21532	Frostburg	7.9 mi	$1,100

Questions

What is the Fair Market Rent for ZIP code 21545?

HUD's FY2027 Small Area Fair Market Rents for 21545 are $860 (studio), $890 (1 BR), $1,010 (2 BR), $1,390 (3 BR) and $1,480 (4 BR) a month.

What is the Section 8 payment standard in 21545?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 21545 that range is $909 to $1,111 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 21545?

The FY2026 income limits of the Allegany County, MD area apply: median family income $72,700, low-income (80%) limit $76,000 for a family of four.