FY2027 Small Area FMR · Cooksville, MD

ZIP 21723 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 21723 (Cooksville, MD) is $2,120 a month, down 9.8% from FY2026. That is 6% above the Baltimore-Columbia-Towson, MD area-wide FMR of $2,006.

2-bedroom SAFMR$2,120per month ▼ 9.8%

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

Rank in the area89thof 191 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,908

2 BR Small Area FMR$2,120

110% of SAFMR$2,332

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

Studio$1,550▼ 9.9%

1 BR$1,720▼ 9.9%

2 BR$2,120▼ 9.8%

3 BR$2,690▼ 9.7%

4 BR$2,970▼ 10.0%

FY2027 FY2026

Where 21723 sits in the Baltimore-Columbia-Towson, MD area

Of the 191 ZIP codes HUD lists for the area, 21723 has the 89th 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 $2,120 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	$1,550	$1,395 – $1,705	$1,523	$1,720
1 bedroom	$1,720	$1,548 – $1,892	$1,625	$1,910
2 bedrooms	$2,120	$1,908 – $2,332	$2,006	$2,350
3 bedrooms	$2,690	$2,421 – $2,959	$2,509	$2,980
4 bedrooms	$2,970	$2,673 – $3,267	$2,789	$3,300

A household renting a two-bedroom home at the Small Area FMR of $2,120 needs about $84,800 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 21723 lies mainly in Howard 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
21794	West Friendship	2.9 mi	$2,540
21797	Woodbine	3.5 mi	$1,940
21738	Glenwood	3.6 mi	$2,540
21104	Marriottsville	5.0 mi	$2,130
21784	Sykesville	5.2 mi	$2,100
21737	Glenelg	5.7 mi	$2,540

Questions

What is the Fair Market Rent for ZIP code 21723?

HUD's FY2027 Small Area Fair Market Rents for 21723 are $1,550 (studio), $1,720 (1 BR), $2,120 (2 BR), $2,690 (3 BR) and $2,970 (4 BR) a month.

What is the Section 8 payment standard in 21723?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 21723 that range is $1,908 to $2,332 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 21723?

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.