20118 Middleburg, VA Fair Market Rent

What the FMR for ZIP 20118 actually means

HUD publishes ZIP-level Small Area FMRs in designated metros. Our load has no SAFMR row for ZIP 20118, so we show the FMR-area schedule for Loudoun: $2,015 1-bedroom, studio $1,953, 2-bedroom $2,246, 3-bedroom $2,835, 4-bedroom $3,332. Other ZIPs in the same FMR area share this schedule until a SAFMR row is available. These are 40th-percentile gross rents, not live asking rents.

Without SAFMR for this ZIP, every ZIP mapped to Loudoun's FMR area shares the same baseline figures even when street-level market rents differ. Against the national benchmark the 1-bedroom FMR-area figure is 110% above the US average of $959, and 70% above the VA state average of $1,182. Year-over-year, the 1-bedroom moved down2.0% from FY 2025 ($2,056) to FY 2026.

For budgeting, the 30% affordability rule says rent should not exceed 30% of gross household income. At the FY 2026 1-bedroom FMR of $2,015, that implies a household income of $80,600 per year (about $6,717/month) to avoid being cost-burdened, a 2-bedroom at $2,246 lifts that threshold higher still. ZIP 20118 has a population of 7 residents, so the gap between these FMR figures and local wages shapes how many households qualify as rent-burdened (paying more than 30% of income) or severely burdened (above 50%).