Baltimore-Columbia-Towson, MD: 2-bedroom payment standards across 172 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Baltimore-Columbia-Towson, MD MSA range from $1,770 to $2,790 for a 2-bedroom. The 90th-percentile ZIP code runs 1.45× the 10th — a gap of $796 a month — which ranks 80th widest of the 247 HUD metro areas we compare.

ZIP-level standards are optional here. Baltimore-Columbia-Towson, MD is not one of HUD's 65 designated Small Area FMR areas, so a housing authority may set one payment standard for the whole area, or adopt ZIP-level exception standards of up to 110% of a ZIP's published SAFMR. Where a single area-wide standard is used, the 65 ZIP codes below marked "above 110%" sit above the highest ceiling that basic policy reaches. Confirm what applies with the PHA that issued the voucher.

$1,955

median 2-bedroom SAFMR across the area's 172 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $2,151 at 110%.

$796

monthly gap between the 90th- and 10th-percentile ZIP code ($1,770 to $2,566).

37.8%

of the area's ZIP codes (65 of 172) sit above $2,151 — 110% of the area median.

Highest-rent ZIP codes in Baltimore-Columbia-Towson, MD

2 BR Small Area FMR area median across all 172 ZIPs

Every ZIP code, ranked

The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.

Filter by ZIP code

Showing 172 of 172 ZIP codes

#	ZIP code	2 BR SAFMR ▾	Payment standard (90–110%)	vs area median
1	21010	$2,790	$2,511–$3,069	above 110%
2	21029	$2,790	$2,511–$3,069	above 110%
3	21047	$2,790	$2,511–$3,069	above 110%
4	21054	$2,790	$2,511–$3,069	above 110%
5	21402	$2,790	$2,511–$3,069	above 110%
6	20701	$2,700	$2,430–$2,970	above 110%
7	21076	$2,700	$2,430–$2,970	above 110%
8	21077	$2,700	$2,430–$2,970	above 110%
9	21036	$2,690	$2,421–$2,959	above 110%
10	20764	$2,680	$2,412–$2,948	above 110%
11	21053	$2,660	$2,394–$2,926	above 110%
12	21131	$2,660	$2,394–$2,926	above 110%
13	21032	$2,620	$2,358–$2,882	above 110%
14	21409	$2,620	$2,358–$2,882	above 110%
15	20724	$2,610	$2,349–$2,871	above 110%
16	21035	$2,590	$2,331–$2,849	above 110%
17	20759	$2,570	$2,313–$2,827	above 110%
18	21113	$2,570	$2,313–$2,827	above 110%
19	20755	$2,530	$2,277–$2,783	above 110%
20	21037	$2,520	$2,268–$2,772	above 110%
21	21405	$2,520	$2,268–$2,772	above 110%
22	21140	$2,500	$2,250–$2,750	above 110%
23	21012	$2,490	$2,241–$2,739	above 110%
24	21046	$2,490	$2,241–$2,739	above 110%
25	21042	$2,480	$2,232–$2,728	above 110%
26	21044	$2,480	$2,232–$2,728	above 110%
27	21401	$2,480	$2,232–$2,728	above 110%
28	21114	$2,440	$2,196–$2,684	above 110%
29	20778	$2,420	$2,178–$2,662	above 110%
30	21075	$2,390	$2,151–$2,629	above 110%
31	21104	$2,360	$2,124–$2,596	above 110%
32	21041	$2,350	$2,115–$2,585	above 110%
33	21056	$2,350	$2,115–$2,585	above 110%
34	21122	$2,350	$2,115–$2,585	above 110%
35	21150	$2,350	$2,115–$2,585	above 110%
36	21723	$2,350	$2,115–$2,585	above 110%
37	21737	$2,350	$2,115–$2,585	above 110%
38	21738	$2,350	$2,115–$2,585	above 110%
39	21765	$2,350	$2,115–$2,585	above 110%
40	21794	$2,350	$2,115–$2,585	above 110%
41	20733	$2,330	$2,097–$2,563	above 110%
42	20751	$2,330	$2,097–$2,563	above 110%
43	21062	$2,330	$2,097–$2,563	above 110%
44	21123	$2,330	$2,097–$2,563	above 110%
45	21240	$2,330	$2,097–$2,563	above 110%
46	21404	$2,330	$2,097–$2,563	above 110%
47	21412	$2,330	$2,097–$2,563	above 110%
48	20723	$2,320	$2,088–$2,552	above 110%
49	21108	$2,310	$2,079–$2,541	above 110%
50	20763	$2,300	$2,070–$2,530	above 110%
51	20794	$2,300	$2,070–$2,530	above 110%
52	21005	$2,280	$2,052–$2,508	above 110%
53	21043	$2,280	$2,052–$2,508	above 110%
54	21666	$2,270	$2,043–$2,497	above 110%
55	21146	$2,250	$2,025–$2,475	above 110%
56	21144	$2,240	$2,016–$2,464	above 110%
57	21403	$2,230	$2,007–$2,453	above 110%
58	21204	$2,200	$1,980–$2,420	above 110%
59	21231	$2,200	$1,980–$2,420	above 110%
60	21619	$2,200	$1,980–$2,420	above 110%
61	21117	$2,190	$1,971–$2,409	above 110%
62	21202	$2,190	$1,971–$2,409	above 110%
63	21252	$2,180	$1,962–$2,398	above 110%
64	21090	$2,170	$1,953–$2,387	above 110%
65	21120	$2,160	$1,944–$2,376	above 110%
66	21224	$2,150	$1,935–$2,365	110%
67	21230	$2,150	$1,935–$2,365	110%
68	20776	$2,140	$1,926–$2,354	109%
69	21057	$2,110	$1,899–$2,321	108%
70	21208	$2,100	$1,890–$2,310	107%
71	21028	$2,080	$1,872–$2,288	106%
72	21638	$2,080	$1,872–$2,288	106%
73	21017	$2,070	$1,863–$2,277	106%
74	21061	$2,070	$1,863–$2,277	106%
75	21153	$2,060	$1,854–$2,266	105%
76	21209	$2,060	$1,854–$2,266	105%
77	20779	$2,050	$1,845–$2,255	105%
78	21045	$2,050	$1,845–$2,255	105%
79	21285	$2,020	$1,818–$2,222	103%
80	21158	$2,010	$1,809–$2,211	103%
81	21015	$1,990	$1,791–$2,189	102%
82	21658	$1,970	$1,773–$2,167	101%
83	21784	$1,970	$1,773–$2,167	101%
84	21030	$1,960	$1,764–$2,156	100%
85	21031	$1,960	$1,764–$2,156	100%
86	21050	$1,960	$1,764–$2,156	100%
87	21128	$1,950	$1,755–$2,145	100%
88	21130	$1,950	$1,755–$2,145	100%
89	21201	$1,950	$1,755–$2,145	100%
90	21087	$1,930	$1,737–$2,123	99%
91	21152	$1,930	$1,737–$2,123	99%
92	21060	$1,920	$1,728–$2,112	98%
93	21009	$1,900	$1,710–$2,090	97%
94	21211	$1,900	$1,710–$2,090	97%
95	21286	$1,900	$1,710–$2,090	97%
96	21111	$1,870	$1,683–$2,057	96%
97	21162	$1,870	$1,683–$2,057	96%
98	21220	$1,870	$1,683–$2,057	96%
99	21244	$1,870	$1,683–$2,057	96%
100	21023	$1,860	$1,674–$2,046	95%
101	21084	$1,840	$1,656–$2,024	94%
102	21093	$1,830	$1,647–$2,013	94%
103	21234	$1,830	$1,647–$2,013	94%
104	21236	$1,830	$1,647–$2,013	94%
105	21133	$1,820	$1,638–$2,002	93%
106	21085	$1,810	$1,629–$1,991	93%
107	21020	$1,800	$1,620–$1,980	92%
108	21022	$1,800	$1,620–$1,980	92%
109	21082	$1,800	$1,620–$1,980	92%
110	21092	$1,800	$1,620–$1,980	92%
111	21094	$1,800	$1,620–$1,980	92%
112	21105	$1,800	$1,620–$1,980	92%
113	21139	$1,800	$1,620–$1,980	92%
114	21156	$1,800	$1,620–$1,980	92%
115	21282	$1,800	$1,620–$1,980	92%
116	21284	$1,800	$1,620–$1,980	92%
117	21014	$1,790	$1,611–$1,969	92%
118	21071	$1,780	$1,602–$1,958	91%
119	21136	$1,780	$1,602–$1,958	91%
120	20711	$1,770	$1,593–$1,947	91%
121	20765	$1,770	$1,593–$1,947	91%
122	21001	$1,770	$1,593–$1,947	91%
123	21013	$1,770	$1,593–$1,947	91%
124	21034	$1,770	$1,593–$1,947	91%
125	21040	$1,770	$1,593–$1,947	91%
126	21048	$1,770	$1,593–$1,947	91%
127	21051	$1,770	$1,593–$1,947	91%
128	21052	$1,770	$1,593–$1,947	91%
129	21074	$1,770	$1,593–$1,947	91%
130	21078	$1,770	$1,593–$1,947	91%
131	21102	$1,770	$1,593–$1,947	91%
132	21132	$1,770	$1,593–$1,947	91%
133	21154	$1,770	$1,593–$1,947	91%
134	21155	$1,770	$1,593–$1,947	91%
135	21157	$1,770	$1,593–$1,947	91%
136	21160	$1,770	$1,593–$1,947	91%
137	21161	$1,770	$1,593–$1,947	91%
138	21163	$1,770	$1,593–$1,947	91%
139	21203	$1,770	$1,593–$1,947	91%
140	21205	$1,770	$1,593–$1,947	91%
141	21206	$1,770	$1,593–$1,947	91%
142	21207	$1,770	$1,593–$1,947	91%
143	21210	$1,770	$1,593–$1,947	91%
144	21212	$1,770	$1,593–$1,947	91%
145	21213	$1,770	$1,593–$1,947	91%
146	21214	$1,770	$1,593–$1,947	91%
147	21215	$1,770	$1,593–$1,947	91%
148	21216	$1,770	$1,593–$1,947	91%
149	21217	$1,770	$1,593–$1,947	91%
150	21218	$1,770	$1,593–$1,947	91%
151	21219	$1,770	$1,593–$1,947	91%
152	21221	$1,770	$1,593–$1,947	91%
153	21222	$1,770	$1,593–$1,947	91%
154	21223	$1,770	$1,593–$1,947	91%
155	21225	$1,770	$1,593–$1,947	91%
156	21226	$1,770	$1,593–$1,947	91%
157	21227	$1,770	$1,593–$1,947	91%
158	21228	$1,770	$1,593–$1,947	91%
159	21229	$1,770	$1,593–$1,947	91%
160	21233	$1,770	$1,593–$1,947	91%
161	21237	$1,770	$1,593–$1,947	91%
162	21239	$1,770	$1,593–$1,947	91%
163	21250	$1,770	$1,593–$1,947	91%
164	21251	$1,770	$1,593–$1,947	91%
165	21263	$1,770	$1,593–$1,947	91%
166	21270	$1,770	$1,593–$1,947	91%
167	21287	$1,770	$1,593–$1,947	91%
168	21617	$1,770	$1,593–$1,947	91%
169	21623	$1,770	$1,593–$1,947	91%
170	21628	$1,770	$1,593–$1,947	91%
171	21644	$1,770	$1,593–$1,947	91%
172	21668	$1,770	$1,593–$1,947	91%

Heads up: The figure above is the HUD Fair Market Rent. Your local Public Housing Authority (PHA) sets the actual payment standard — usually between 90% and 110% of it — so confirm your exact amount with the PHA that issued the voucher.

How Baltimore-Columbia-Towson, MD compares

Its internal spread of 1.45× (p90 ÷ p10) ranks 80 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.32×. Note that this area's 90th or 10th percentile lands exactly on its highest or lowest ZIP code, so a single ZIP is carrying the p90/p10 figure — the p75/p25 measure is the better read here. See the full ranking and how it was measured →

A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.

This page shows official HUD Fair Market Rent data for general educational use — it is not legal, financial, or housing advice, and is not a guarantee of any voucher amount. Your local Public Housing Authority sets the actual payment standard and approves rents. Always confirm with your PHA and the official HUD FMR data.

Check a rent against a ZIP code → All 247 metro areas →