FY2027 Small Area FMR · Elkton, MD

ZIP 21922 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 21922 (Elkton, MD) is $1,780 a month, up 1.1% from FY2026. That is 4% below the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area-wide FMR of $1,860.

2-bedroom SAFMR$1,780per month ▲ 1.1%

Area-wide 2 BR FMR$1,860Philadelphia-Camden-Wilmingt

Rank in the area300thof 473 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,602

2 BR Small Area FMR$1,780

110% of SAFMR$1,958

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

Studio$1,380▲ 1.5%

1 BR$1,490▲ 0.7%

2 BR$1,780▲ 1.1%

3 BR$2,120▲ 0.5%

4 BR$2,340▼ 0.8%

FY2027 FY2026

Where 21922 sits in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area

Of the 473 ZIP codes HUD lists for the area, 21922 has the 300th highest two-bedroom Small Area FMR. Philadelphia-Camden-Wilmington, PA-NJ-DE-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 $1,602 and $1,958 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,380	$1,242 – $1,518	$1,438	$1,360
1 bedroom	$1,490	$1,341 – $1,639	$1,558	$1,480
2 bedrooms	$1,780	$1,602 – $1,958	$1,860	$1,760
3 bedrooms	$2,120	$1,908 – $2,332	$2,216	$2,110
4 bedrooms	$2,340	$2,106 – $2,574	$2,445	$2,360

A household renting a two-bedroom home at the Small Area FMR of $1,780 needs about $71,200 a year to keep housing costs at 30% of income. The area median family income is $122,700 and the 80% low-income limit for four people is $98,150. ZIP code 21922 lies mainly in Cecil County. See the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
21921	Elkton	2.0 mi	$1,820
21920	Elk Mills	3.5 mi	$1,820
19702	Newark	5.6 mi	$1,990
19717	Newark	6.6 mi	$1,900
19716	Newark	7.0 mi	$1,810
21901	North East	7.1 mi	$1,880

Questions

What is the Fair Market Rent for ZIP code 21922?

HUD's FY2027 Small Area Fair Market Rents for 21922 are $1,380 (studio), $1,490 (1 BR), $1,780 (2 BR), $2,120 (3 BR) and $2,340 (4 BR) a month.

What is the Section 8 payment standard in 21922?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 21922 that range is $1,602 to $1,958 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 21922?

The FY2026 income limits of the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area apply: median family income $122,700, low-income (80%) limit $98,150 for a family of four.