Calvert County, MD: Fair Market Rent 2027 and Income Limits

Official HUD figures for landlords and renters, effective October 1, 2026 (rents) and May 1, 2026 (income limits).

$1,8902-bedroom FMR, FY2027

$1,6661-bedroom FMR, FY2027

$106,80080% income limit, family of 4 (FY2026)

$149,900Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Calvert County is $1,890 a month, down 9.3% from $2,083 in FY2026. Calvert County belongs to the Calvert County, MD HUD Metro FMR Area FMR area, so the same figures apply across that area. FMRs are gross rents: rent plus all tenant-paid utilities except phone, cable and internet.

Fair market rent in Calvert County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,630	$1,811	−10.0%	$1,467 – $1,793
1 bedroom	$1,666	$1,851	−10.0%	$1,500 – $1,832
2 bedrooms	$1,890	$2,083	−9.3%	$1,701 – $2,079
3 bedrooms	$2,617	$2,639	−0.8%	$2,356 – $2,878
4 bedrooms	$2,959	$3,106	−4.7%	$2,664 – $3,254

Source: HUD Fair Market Rents FY2027 (effective October 1, 2026) and FY2026 (revised file), details.

What can a landlord charge a Section 8 tenant here?

The FMR is not a cap on what you can ask on the open market. For a Housing Choice Voucher tenant, the local housing authority sets a payment standard, normally between 90% and 110% of the FMR (or of the ZIP-level Small Area FMR where those apply). For a two-bedroom unit in Calvert County that is typically $1,701 to $2,079 including utilities. You can charge more than the payment standard if the rent passes the housing authority's rent-reasonableness test and, at move-in, the tenant's share stays within 40% of their adjusted monthly income. Ask the housing authority for its current payment standard schedule.

Can local renters afford the fair market rent?

$73,333median income of renter households

$1,759Median gross rent, all units

29%Rent-to-income ratio (median rent ÷ median renter income)

48%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $73,333 can afford about $1,833 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,890 is $57 (3.1%) more than that. To rent a two-bedroom at the FMR, a household needs $75,600 a year under the 30% rule, or $68,040 under the common landlord rule that income must be three times the rent.

Calvert County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,759 ±$81
Median income of renter households	$73,333 ±$13,211
Renters paying 30% or more of income (cost-burdened)	47.7% ±5.1
Renters paying 50% or more (severely cost-burdened)	25.2% ±4.7
Renter households (where the share can be computed)	3,889

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$1,520	$1,759	+15.7%
Median renter household income	$56,232	$73,333	+30.4%
Renters paying 30%+ of income	49.5%	47.7%	−1.8 pts

Rent-to-income calculator: does an applicant qualify? → · Most affordable counties to rent in this state →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates 2020–2024 and 2015–2019 (tables B25064, B25119, B25070). ± = margin of error at 90% confidence. Dollar figures are not adjusted for inflation.

Small Area FMRs by ZIP code (FY2027)

In metro areas HUD also publishes ZIP-level Small Area Fair Market Rents. Housing authorities in designated areas must use them for voucher payment standards; others may opt in. Here the two-bedroom SAFMR ranges from $1,480 to $2,840 depending on the ZIP code.

All 15 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
20610	$1,390	$1,400	$1,780	$2,460	$2,790
20615	$1,460	$1,490	$1,680	$2,270	$2,570
20629	$1,890	$1,910	$2,420	$3,350	$3,790
20639	$1,210	$1,220	$1,550	$2,150	$2,430
20657	$1,400	$1,410	$1,790	$2,480	$2,800
20676	$1,540	$1,580	$1,810	$2,510	$2,830
20678	$1,160	$1,160	$1,480	$2,050	$2,320
20685	$1,460	$1,490	$1,680	$2,270	$2,570
20688	$2,240	$2,250	$2,840	$3,930	$4,450
20689	$1,370	$1,380	$1,760	$2,430	$2,750
20714	$1,610	$1,640	$2,070	$2,790	$3,140
20732	$1,490	$1,510	$1,910	$2,640	$2,990
20736	$1,370	$1,380	$1,750	$2,420	$2,740
20754	$2,040	$2,070	$2,620	$3,580	$4,030
20758	$1,550	$1,570	$1,990	$2,730	$3,080

Source: HUD FY2027 Small Area FMRs (effective October 1, 2026).

HUD income limits for Calvert County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $149,900 (FY2025: $158,600, −5.5%). Small figures under each limit show the change from FY2025.

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Extremely low income (30%)	$31,650 −5.1%	$36,200 −5.0%	$40,700 −5.0%	$45,200 −5.0%	$48,850 −5.1%	$52,450 −5.1%	$56,050 −5.1%	$59,700 −5.0%
Very low income (50%)	$52,800 −5.0%	$60,300 −5.0%	$67,850 −5.0%	$75,350 −5.0%	$81,400 −5.0%	$87,450 −4.9%	$93,450 −5.0%	$99,500 −5.0%
Low income (80%)	$74,800 ±0.0%	$85,450 ±0.0%	$96,150 ±0.0%	$106,800 ±0.0%	$115,350 ±0.0%	$123,900 ±0.0%	$132,450 ±0.0%	$141,000 ±0.0%

The 30% limit is HUD's “extremely low income” limit: the higher of 30% of median income or the federal poverty guideline, but never above the 50% limit. That is why it can rise faster than 30% of median for larger households. Tax-credit (LIHTC) properties use separate Multifamily Tax Subsidy Project limits.

Source: HUD Section 8 Income Limits FY2026 (effective May 1, 2026) and FY2025, details.