21788 Thurmont, MD Fair Market Rent

What the FMR for ZIP 21788 actually means

HUD publishes Small Area Fair Market Rents at the ZIP code level for designated metros. ZIP 21788 (Thurmont, MD) is covered by Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area, so FY 2026 figures here are ZIP-specific: $1,140 for a 1-bedroom, studio $1,100, 2-bedroom $1,270, 3-bedroom $1,600, and 4-bedroom $1,880. These are 40th-percentile gross rents (utilities except telephone), not live asking rents. Housing Choice Voucher payment standards are typically set between 90% and 110% of the applicable FMR/SAFMR.

Because this page uses SAFMR, nearby ZIPs in Frederick can show different bedroom figures. Against the national benchmark the 1-bedroom SAFMR here is 19% above the US average of $959, and 19% below the MD state average of $1,404.

For budgeting, the 30% affordability rule says rent should not exceed 30% of gross household income. At the FY 2026 1-bedroom FMR of $1,140, that implies a household income of $45,600 per year (about $3,800/month) to avoid being cost-burdened, a 2-bedroom at $1,270 lifts that threshold higher still. ZIP 21788 has a population of 11,622 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%).