FY2025 Fair Market Rents — Cumberland, MD-WV MSA
The HUD-published Fair Market Rents for FY2025 in this area are:
Studio
$655
1BR
$747
2BR
$933
3BR
$1,226
4BR
$1,388
Hours/week at min wage
48 hrs
to afford the 2BR FMR @ $15.00/hr (MD)
National rank
#556
of 639 U.S. metros (top 88% most expensive)
YoY change (2BR)
+1.4%
+$13 vs FY2024 · 5-yr +30.7%
Voucher payment standard
$840–$1,026
PHAs set HCV payment at 90–110% of the 2BR FMR
Cumberland, MD-WV MSA
Metropolitan area · MD · View full history · Income limits · LIHTC rents
FY2025 Fair Market Rents
| Bedroom Size | Monthly FMR | Annual Equivalent |
|---|---|---|
| Efficiency (Studio) | $655 | $7,860 |
| 1-Bedroom | $747 | $8,964 |
| 2-Bedroom | $933 | $11,196 |
| 3-Bedroom | $1,226 | $14,712 |
| 4-Bedroom | $1,388 | $16,656 |
Recent 2-Bedroom FMR Trend
FY2019 $700 → FY2025 $933
| Fiscal Year | Studio | 1BR | 2BR | 3BR | 4BR |
|---|---|---|---|---|---|
| FY2025 | $655 | $747 | $933 | $1,226 | $1,388 |
| FY2024 | $624 | $736 | $920 | $1,186 | $1,453 |
| FY2023 | $560 | $668 | $838 | $1,073 | $1,356 |
| FY2022 | $503 | $606 | $757 | $987 | $1,261 |
| FY2021 | $499 | $587 | $734 | $965 | $1,223 |
| FY2020 | $519 | $587 | $714 | $961 | $1,192 |
| FY2019 | $513 | $593 | $700 | $948 | $1,180 |
View full FMR history back to FY2000 →
FY2024 Income Limits
Area Median Income (AMI): $82,300
| AMI Level | 1p | 2p | 3p | 4p | 5p | 6p |
|---|---|---|---|---|---|---|
| 30% AMI (Extremely Low) | $17,850 | $20,440 | $25,820 | $31,200 | $36,580 | $41,960 |
| 50% AMI (Very Low) | $29,750 | $34,000 | $38,250 | $42,500 | $45,900 | $49,300 |
| 80% AMI (Low) | $47,600 | $54,400 | $61,200 | $68,000 | $73,450 | $78,900 |
Full income limits table (all 8 household sizes) →
Affordability Snapshot
2BR Annual FMR
$11,196/yr
FMR as % of Area Median Income
13.6% of AMI
Under 30% — affordable at median income
Income Needed (30% rule, 2BR)
$37,320/yr
$3,110/mo gross income
FY2024 LIHTC Maximum Rents
Maximum gross rents for Low-Income Housing Tax Credit units, by income band. Full LIHTC details →
| AMI Band | Studio | 1BR | 2BR | 3BR | 4BR |
|---|---|---|---|---|---|
| 50% AMI Maximum | $720 | $823 | $925 | $1,111 | $1,193 |
| 60% AMI Maximum | $864 | $987 | $1,111 | $1,333 | $1,432 |
FY2024 HOME Program Rent Limits
Maximum rents for HOME Investment Partnerships–funded units. High HOME rents apply to most assisted units; Low HOME rents apply to the lowest-income set-aside units. Full HOME rent details →
| Limit Type | Studio | 1BR | 2BR | 3BR | 4BR |
|---|---|---|---|---|---|
| High HOME Rent | $624 | $736 | $920 | $1,186 | $1,337 |
| Low HOME Rent | $743 | $850 | $956 | $1,062 | $1,147 |
Compare Cumberland, MD-WV MSA With Other MD Metros
vs. Baltimore-Columbia-Towson, MD MSA
vs. California-Lexington Park, MD MSA
vs. Calvert County, MD HUD Metro FMR Area
vs. Hagerstown, MD HUD Metro FMR Area
vs. Salisbury, MD HUD Metro FMR Area