FY2026 Fair Market Rents — Cumberland, MD-WV MSA
The HUD-published Fair Market Rents for FY2026 in this area are:
Studio
$694
1BR
$823
2BR
$973
3BR
$1,333
4BR
$1,452
Hours/week at min wage
50 hrs
to afford the 2BR FMR @ $15.00/hr (MD)
YoY change (2BR)
+4.3%
+$40 vs FY2025 · 5-yr +32.6%
Voucher payment standard
$876–$1,070
PHAs set HCV payment at 90–110% of the 2BR FMR
Cumberland, MD-WV MSA
Non-Metropolitan area · MD · View full history · Income limits · LIHTC rents
FY2026 Fair Market Rents
| Bedroom Size | Monthly FMR | Annual Equivalent |
|---|---|---|
| Efficiency (Studio) | $694 | $8,328 |
| 1-Bedroom | $823 | $9,876 |
| 2-Bedroom | $973 | $11,676 |
| 3-Bedroom | $1,333 | $15,996 |
| 4-Bedroom | $1,452 | $17,424 |
Recent 2-Bedroom FMR Trend
FY2020 $714 → FY2026 $973
| Fiscal Year | Studio | 1BR | 2BR | 3BR | 4BR |
|---|---|---|---|---|---|
| FY2026 | $694 | $823 | $973 | $1,333 | $1,452 |
| 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 |
View full FMR history back to FY2000 →
FY2026 Income Limits
Area Median Income (AMI): $72,700
| AMI Level | 1p | 2p | 3p | 4p | 5p | 6p |
|---|---|---|---|---|---|---|
| 30% AMI (Extremely Low) | $19,950 | $22,800 | $27,320 | $33,000 | $38,680 | $44,360 |
| 50% AMI (Very Low) | $33,250 | $38,000 | $42,750 | $47,500 | $51,300 | $55,100 |
| 80% AMI (Low) | $53,200 | $60,800 | $68,400 | $76,000 | $82,100 | $88,200 |
Full income limits table (all 8 household sizes) →
Affordability Snapshot
2BR Annual FMR
$11,676/yr
FMR as % of Area Median Income
16.1% of AMI
Under 30% — affordable at median income
Income Needed (30% rule, 2BR)
$38,920/yr
$3,243/mo gross income
FY2026 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 | $636 | $727 | $817 | $981 | $1,054 |
| 60% AMI Maximum | $763 | $872 | $981 | $1,177 | $1,264 |
FY2026 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 | $694 | $823 | $973 | $1,181 | $1,181 |
| Low HOME Rent | $831 | $950 | $1,068 | $1,187 | $1,282 |
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. Cumberland, MD-WV MSA
vs. Hagerstown, MD HUD Metro FMR Area