FY2027 Small Area FMR · Sharpsburg, MD

ZIP 21782 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 21782 (Sharpsburg, MD) is $1,270 a month, down 3.1% from FY2026. That is 1% below the Hagerstown, MD area-wide FMR of $1,284.

2-bedroom SAFMR$1,270per month ▼ 3.1%

Area-wide 2 BR FMR$1,284Hagerstown, MD

Rank in the area14thof 23 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,143

2 BR Small Area FMR$1,270

110% of SAFMR$1,397

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

Studio$880▼ 2.2%

1 BR$970▼ 3.0%

2 BR$1,270▼ 3.1%

3 BR$1,700▼ 4.0%

4 BR$1,900▼ 3.6%

FY2027 FY2026

Where 21782 sits in the Hagerstown, MD area

Of the 23 ZIP codes HUD lists for the area, 21782 has the 14th highest two-bedroom Small Area FMR. Hagerstown, 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 $1,284 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,270 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	$880	$792 – $968	$894	$900
1 bedroom	$970	$873 – $1,067	$982	$1,000
2 bedrooms	$1,270	$1,143 – $1,397	$1,284	$1,310
3 bedrooms	$1,700	$1,530 – $1,870	$1,714	$1,770
4 bedrooms	$1,900	$1,710 – $2,090	$1,923	$1,970

A household renting a two-bedroom home at the Small Area FMR of $1,270 needs about $50,800 a year to keep housing costs at 30% of income. The area median family income is $105,100 and the 80% low-income limit for four people is $82,400. ZIP code 21782 lies mainly in Washington County. See the Hagerstown, MD county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
25443	Shepherdstown	3.1 mi	$1,290
21756	Keedysville	3.1 mi	$1,570
21779	Rohrersville	6.3 mi	$1,710
21733	Fairplay	6.4 mi	$1,320
21713	Boonsboro	6.8 mi	$1,350
25442	Shenandoah Junction	6.9 mi	$1,370

Questions

What is the Fair Market Rent for ZIP code 21782?

HUD's FY2027 Small Area Fair Market Rents for 21782 are $880 (studio), $970 (1 BR), $1,270 (2 BR), $1,700 (3 BR) and $1,900 (4 BR) a month.

What is the Section 8 payment standard in 21782?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 21782 that range is $1,143 to $1,397 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 21782?

The FY2026 income limits of the Hagerstown, MD area apply: median family income $105,100, low-income (80%) limit $82,400 for a family of four.