FY2027 Small Area FMR · Swanton, MD

ZIP 21561 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 21561 (Swanton, MD) is $1,030 a month, up 4.0% from FY2026. That is 2% above the Garrett County, MD area-wide FMR of $1,014.

2-bedroom SAFMR$1,030per month ▲ 4.0%

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

Rank in the area5thof 12 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$927

2 BR Small Area FMR$1,030

110% of SAFMR$1,133

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

Studio$860▲ 4.9%

1 BR$890▲ 3.5%

2 BR$1,030▲ 4.0%

3 BR$1,370▲ 0.7%

4 BR$1,390▼ 4.1%

FY2027 FY2026

Where 21561 sits in the Garrett County, MD area

Of the 12 ZIP codes HUD lists for the area, 21561 has the 5th highest two-bedroom Small Area FMR. Garrett 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 $1,030 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	$853	$820
1 bedroom	$890	$801 – $979	$877	$860
2 bedrooms	$1,030	$927 – $1,133	$1,014	$990
3 bedrooms	$1,370	$1,233 – $1,507	$1,339	$1,360
4 bedrooms	$1,390	$1,251 – $1,529	$1,344	$1,450

A household renting a two-bedroom home at the Small Area FMR of $1,030 needs about $41,200 a year to keep housing costs at 30% of income. The area median family income is $88,300 and the 80% low-income limit for four people is $76,000. ZIP code 21561 lies mainly in Garrett County. See the Garrett County, MD county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
21538	Kitzmiller	5.9 mi	$1,010
21523	Bloomington	6.2 mi	$1,010
21540	Luke	7.1 mi	$1,010
26750	Piedmont	8.0 mi	$940
21562	Westernport	8.4 mi	$1,010
21521	Barton	9.1 mi	$1,120

Questions

What is the Fair Market Rent for ZIP code 21561?

HUD's FY2027 Small Area Fair Market Rents for 21561 are $860 (studio), $890 (1 BR), $1,030 (2 BR), $1,370 (3 BR) and $1,390 (4 BR) a month.

What is the Section 8 payment standard in 21561?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 21561 that range is $927 to $1,133 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 21561?

The FY2026 income limits of the Garrett County, MD area apply: median family income $88,300, low-income (80%) limit $76,000 for a family of four.