FY2027 Small Area FMR · Galena, MD
ZIP 21635 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 21635 (Galena, MD) is $1,540 a month, down 9.9% from FY2026. That is 24% above the Kent County, MD area-wide FMR of $1,241.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 21635 sits in the Kent County, MD area
Of the 10 ZIP codes HUD lists for the area, 21635 has the 4th highest two-bedroom Small Area FMR. Kent 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 $1,241 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,540 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,210 | $1,089 – $1,331 | $956 | $1,340 |
| 1 bedroom | $1,320 | $1,188 – $1,452 | $1,140 | $1,460 |
| 2 bedrooms | $1,540 | $1,386 – $1,694 | $1,241 | $1,710 |
| 3 bedrooms | $1,900 | $1,710 – $2,090 | $1,603 | $2,110 |
| 4 bedrooms | $2,180 | $1,962 – $2,398 | $2,050 | $2,420 |
A household renting a two-bedroom home at the Small Area FMR of $1,540 needs about $61,600 a year to keep housing costs at 30% of income. The area median family income is $112,000 and the 80% low-income limit for four people is $89,600. ZIP code 21635 lies mainly in Kent County. See the Kent County, MD county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 21635?
HUD's FY2027 Small Area Fair Market Rents for 21635 are $1,210 (studio), $1,320 (1 BR), $1,540 (2 BR), $1,900 (3 BR) and $2,180 (4 BR) a month.
What is the Section 8 payment standard in 21635?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 21635 that range is $1,386 to $1,694 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 21635?
The FY2026 income limits of the Kent County, MD area apply: median family income $112,000, low-income (80%) limit $89,600 for a family of four.