St. Mary's County, MD: 2-bedroom payment standards across 26 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for St. Mary's County, MD HUD Metro FMR Area range from $1,650 to $2,250 for a 2-bedroom. The 90th-percentile ZIP code runs 1.18× the 10th — a gap of $300 a month — which ranks 225th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 26 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $2,013 at 110%.
monthly gap between the 90th- and 10th-percentile ZIP code ($1,650 to $1,950).
of the area's ZIP codes (2 of 26) sit above $2,013 — 110% of the area median.
Highest-rent ZIP codes in St. Mary's County, MD
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.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 20670 | $2,250 | $2,025–$2,475 | above 110% |
| 2 | 20619 | $2,050 | $1,845–$2,255 | above 110% |
| 3 | 20650 | $1,950 | $1,755–$2,145 | 107% |
| 4 | 20656 | $1,950 | $1,755–$2,145 | 107% |
| 5 | 20660 | $1,920 | $1,728–$2,112 | 105% |
| 6 | 20674 | $1,860 | $1,674–$2,046 | 102% |
| 7 | 20690 | $1,860 | $1,674–$2,046 | 102% |
| 8 | 20606 | $1,830 | $1,647–$2,013 | 100% |
| 9 | 20609 | $1,830 | $1,647–$2,013 | 100% |
| 10 | 20624 | $1,830 | $1,647–$2,013 | 100% |
| 11 | 20627 | $1,830 | $1,647–$2,013 | 100% |
| 12 | 20628 | $1,830 | $1,647–$2,013 | 100% |
| 13 | 20630 | $1,830 | $1,647–$2,013 | 100% |
| 14 | 20680 | $1,830 | $1,647–$2,013 | 100% |
| 15 | 20684 | $1,830 | $1,647–$2,013 | 100% |
| 16 | 20686 | $1,830 | $1,647–$2,013 | 100% |
| 17 | 20687 | $1,830 | $1,647–$2,013 | 100% |
| 18 | 20692 | $1,820 | $1,638–$2,002 | 99% |
| 19 | 20621 | $1,800 | $1,620–$1,980 | 98% |
| 20 | 20653 | $1,770 | $1,593–$1,947 | 97% |
| 21 | 20667 | $1,770 | $1,593–$1,947 | 97% |
| 22 | 20634 | $1,680 | $1,512–$1,848 | 92% |
| 23 | 20618 | $1,650 | $1,485–$1,815 | 90% |
| 24 | 20620 | $1,650 | $1,485–$1,815 | 90% |
| 25 | 20626 | $1,650 | $1,485–$1,815 | 90% |
| 26 | 20636 | $1,650 | $1,485–$1,815 | 90% |
How St. Mary's County, MD compares
Its internal spread of 1.18× (p90 ÷ p10) ranks 225 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 1.04×. 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.