FY2027 Small Area FMR · Thurmont, MD

ZIP 21788 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 21788 (Thurmont, MD) is $1,280 a month, up 0.8% from FY2026. That is 47% below the Washington-Arlington-Alexandria, DC-VA-MD area-wide FMR of $2,438.

2-bedroom SAFMR$1,280per month ▲ 0.8%

Area-wide 2 BR FMR$2,438Washington-Arlington-Alexand

Rank in the area482ndof 488 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,152

2 BR Small Area FMR$1,280

110% of SAFMR$1,408

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

Studio$1,110▲ 0.9%

1 BR$1,160▲ 1.8%

2 BR$1,280▲ 0.8%

3 BR$1,630▲ 1.9%

4 BR$1,920▲ 2.1%

FY2027 FY2026

Where 21788 sits in the Washington-Arlington-Alexandria, DC-VA-MD area

Of the 488 ZIP codes HUD lists for the area, 21788 has the 482nd highest two-bedroom Small Area FMR. Washington-Arlington-Alexandria, DC-VA-MD is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2016), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,152 and $1,408 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,110	$999 – $1,221	$2,111	$1,100
1 bedroom	$1,160	$1,044 – $1,276	$2,204	$1,140
2 bedrooms	$1,280	$1,152 – $1,408	$2,438	$1,270
3 bedrooms	$1,630	$1,467 – $1,793	$3,107	$1,600
4 bedrooms	$1,920	$1,728 – $2,112	$3,658	$1,880

A household renting a two-bedroom home at the Small Area FMR of $1,280 needs about $51,200 a year to keep housing costs at 30% of income. The area median family income is $166,100 and the 80% low-income limit for four people is $106,800. ZIP code 21788 lies mainly in Frederick County. See the Washington-Arlington-Alexandria, DC-VA-MD metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
21778	Rocky Ridge	4.9 mi	$1,420
21780	Sabillasville	6.6 mi	$1,520
21798	Woodsboro	7.0 mi	$1,590
21793	Walkersville	7.6 mi	$1,970
21702	Frederick	7.8 mi	$2,010
21773	Myersville	8.0 mi	$2,080

Questions

What is the Fair Market Rent for ZIP code 21788?

HUD's FY2027 Small Area Fair Market Rents for 21788 are $1,110 (studio), $1,160 (1 BR), $1,280 (2 BR), $1,630 (3 BR) and $1,920 (4 BR) a month.

What is the Section 8 payment standard in 21788?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 21788 that range is $1,152 to $1,408 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 21788?

The FY2026 income limits of the Washington-Arlington-Alexandria, DC-VA-MD area apply: median family income $166,100, low-income (80%) limit $106,800 for a family of four.