Maryland · FIPS 24037 · HUD FY 2027
St. Mary's County, Maryland Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in St. Mary's County is $1,787 a month (rent plus utilities), 15% below the Maryland average of $2,103 and 1% above the U.S. average of $1,761. That is down $46 (2.5%) from FY 2026. At 30% of income, a household needs about $71,480 a year to afford it.
- $1,7872-bedroom FMR−$46 (−2.5%) vs FY 2026
- $1,6421-bedroom FMRMaryland: $1,801 · U.S.: $1,478
- $71,480Income for a 2-bedroom$34/hour full-time
- 14 of 242BR rank in Maryland1 = highest rent
| Unit | St. Mary's County FY 2027 | FY 2026 | Change | Maryland avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $1,328 | $1,394 | −$66 (−4.7%) | $1,704 | $1,379 | $53,120 |
| 1 bedroom | $1,642 | $1,672 | −$30 (−1.8%) | $1,801 | $1,478 | $65,680 |
| 2 bedrooms | $1,787 | $1,833 | −$46 (−2.5%) | $2,103 | $1,761 | $71,480 |
| 3 bedrooms | $2,242 | $2,264 | −$22 (−1.0%) | $2,664 | $2,266 | $89,680 |
| 4 bedrooms | $2,853 | $2,889 | −$36 (−1.2%) | $3,052 | $2,607 | $114,120 |
How St. Mary's County compares
- HUD sets this rent for the St. Mary's County, MD metro FMR area, which covers 115,126 residents in 1 county.
- Across Maryland, 2-bedroom FMRs run from $1,014 (Garrett County) to $2,438 (Charles County).
- Studio to 4-bedroom: $1,328, $1,642, $1,787, $2,242, $2,853. HUD derives the other sizes from the 2-bedroom figure with fixed ratios, adjusted where local data warrant.
- HUD also publishes ZIP-level Small Area FMRs. For the 26 ZIP codes mostly in St. Mary's County (by land area), the 2-bedroom figure ranges from $1,650 to $2,240.
Small Area FMRs by ZIP code in St. Mary's County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 20606 | $1,330 | $1,640 | $1,790 | $2,250 | $2,860 | −$40 (−2.2%) | about the same as |
| 20609 | $1,260 | $1,510 | $1,650 | $2,040 | $2,610 | −$180 (−9.8%) | 8% below |
| 20618 | $1,280 | $1,580 | $1,720 | $2,160 | $2,750 | +$70 (+4.2%) | 4% below |
| 20619 | $1,530 | $1,890 | $2,060 | $2,580 | $3,290 | +$10 (+0.5%) | 15% above |
| 20620 | $1,260 | $1,510 | $1,650 | $2,040 | $2,610 | no change | 8% below |
| 20621 | $1,260 | $1,510 | $1,650 | $2,040 | $2,610 | −$150 (−8.3%) | 8% below |
| 20624 | $1,260 | $1,510 | $1,650 | $2,040 | $2,610 | −$180 (−9.8%) | 8% below |
| 20626 | $1,280 | $1,580 | $1,720 | $2,160 | $2,750 | +$70 (+4.2%) | 4% below |
| 20628 | $1,330 | $1,640 | $1,790 | $2,250 | $2,860 | −$40 (−2.2%) | about the same as |
| 20630 | $1,330 | $1,640 | $1,790 | $2,250 | $2,860 | −$40 (−2.2%) | about the same as |
| 20634 | $1,260 | $1,540 | $1,680 | $2,110 | $2,680 | no change | 6% below |
| 20636 | $1,260 | $1,510 | $1,650 | $2,040 | $2,610 | no change | 8% below |
| 20650 | $1,400 | $1,740 | $1,890 | $2,370 | $3,020 | −$60 (−3.1%) | 6% above |
| 20653 | $1,270 | $1,570 | $1,710 | $2,150 | $2,730 | −$60 (−3.4%) | 4% below |
| 20656 | $1,400 | $1,740 | $1,890 | $2,370 | $3,020 | −$60 (−3.1%) | 6% above |
| 20659 | $1,300 | $1,580 | $1,720 | $2,160 | $2,750 | −$170 (−9.0%) | 4% below |
| 20660 | $1,330 | $1,650 | $1,790 | $2,250 | $2,870 | −$130 (−6.8%) | about the same as |
| 20667 | $1,270 | $1,570 | $1,710 | $2,150 | $2,730 | −$60 (−3.4%) | 4% below |
| 20670 | $1,670 | $2,060 | $2,240 | $2,810 | $3,580 | −$10 (−0.4%) | 25% above |
| 20674 | $1,350 | $1,670 | $1,820 | $2,280 | $2,910 | −$40 (−2.2%) | 2% above |
| 20680 | $1,330 | $1,640 | $1,790 | $2,250 | $2,860 | −$40 (−2.2%) | about the same as |
| 20684 | $1,330 | $1,640 | $1,790 | $2,250 | $2,860 | −$40 (−2.2%) | about the same as |
| 20686 | $1,330 | $1,640 | $1,790 | $2,250 | $2,860 | −$40 (−2.2%) | about the same as |
| 20687 | $1,330 | $1,640 | $1,790 | $2,250 | $2,860 | −$40 (−2.2%) | about the same as |
| 20690 | $1,350 | $1,670 | $1,820 | $2,280 | $2,910 | −$40 (−2.2%) | 2% above |
| 20692 | $1,320 | $1,640 | $1,780 | $2,230 | $2,840 | −$40 (−2.2%) | about the same as |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
- ZIP-to-county assignment: Census Bureau 2020 ZCTA-to-county relationship file (file dated December 9, 2021), largest land-area overlap.
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.