Renting · Section 8
Data from November 2026
Renting in Garrett County, Maryland
Garrett County has a HUD fair market rent of $1,014 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $765 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $19.50 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,014
- a month, HUD, Fiscal year 2027
- 52% less than in Maryland
- Typical rent
- $765
- a month, Census, Average 2020–2024
- 55% less than in Maryland
- Wage needed
- $19.50
- an hour, 2 bedrooms
- Or $40,560 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 35%
- spend 30% or more of income on rent
- 32% less than in Maryland
Only here
Renting in Garrett County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Of the 24 counties in Maryland, Garrett County has the lowest typical rent: $765.
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Garrett County has the smallest share of rent-burdened renters of the 24 counties in Maryland: 35%.
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Garrett County has the lowest typical rent in its area: $765, less than any of its 6 neighboring counties; next is Allegany County ($805).
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14% of households in Garrett County have no internet at home, against 5% in Maryland.
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Garrett County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Garrett County was $1,050 a month in September 2026. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $853 | $16.40 | $34,120 |
| 1 bedroom | $877 | $16.87 | $35,080 |
| 2 bedrooms | $1,014 | $19.50 | $40,560 |
| 3 bedrooms | $1,339 | $25.75 | $53,560 |
| 4 bedrooms | $1,344 | $25.85 | $53,760 |
HUD area: Garrett County, MD. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 14 ZIP codes in Garrett County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,010 in 21523 to $1,160 in 21520. 5 ZIP codes are above the county's fair market rent ($1,014).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 21520 | Garrett County, MD | $980 | $1,000 | $1,160 | $1,530 | $1,610 |
|---|---|---|---|---|---|---|
| 21521 | Allegany County, MD | $950 | $980 | $1,120 | $1,520 | $1,600 |
| 21521 | Garrett County, MD | $950 | $980 | $1,120 | $1,520 | $1,600 |
| 21523 | Garrett County, MD | $840 | $870 | $1,010 | $1,380 | $1,440 |
| 21531 | Garrett County, MD | $850 | $880 | $1,010 | $1,350 | $1,350 |
| 21536 | Garrett County, MD | $850 | $880 | $1,010 | $1,350 | $1,350 |
| 21538 | Garrett County, MD | $850 | $880 | $1,010 | $1,350 | $1,350 |
| 21539 | Allegany County, MD | $860 | $890 | $1,010 | $1,390 | $1,460 |
| 21539 | Garrett County, MD | $860 | $890 | $1,010 | $1,390 | $1,460 |
| 21541 | Garrett County, MD | $850 | $880 | $1,010 | $1,350 | $1,390 |
| 21550 | Garrett County, MD | $880 | $910 | $1,050 | $1,390 | $1,390 |
| 21561 | Garrett County, MD | $860 | $890 | $1,030 | $1,370 | $1,390 |
| 21562 | Allegany County, MD | $860 | $890 | $1,010 | $1,390 | $1,480 |
| 21562 | Garrett County, MD | $860 | $890 | $1,010 | $1,390 | $1,480 |
- 21520 · Garrett County, MD $1,160$1,530
- 21521 · Allegany County, MD $1,120$1,520
- 21521 · Garrett County, MD $1,120$1,520
- 21523 · Garrett County, MD $1,010$1,380
- 21531 · Garrett County, MD $1,010$1,350
- 21536 · Garrett County, MD $1,010$1,350
- 21538 · Garrett County, MD $1,010$1,350
- 21539 · Allegany County, MD $1,010$1,390
- 21539 · Garrett County, MD $1,010$1,390
- 21541 · Garrett County, MD $1,010$1,350
- 21550 · Garrett County, MD $1,050$1,390
- 21561 · Garrett County, MD $1,030$1,370
- 21562 · Allegany County, MD $1,010$1,390
- 21562 · Garrett County, MD $1,010$1,390
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Garrett County, 35% of renter households are in that position; in Maryland, 51%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
35%
of renter households spend 30% or more of their income on rent.
2,551 households rent in Garrett County
- Spend half or more of their income 15%
- Spend 30% or more, but less than half 20%
- Spend less than 30% 65%
Compared with the state and the country
- Garrett 35%
- Maryland 51%
- United States 51%
Low-income apartments
Low-income apartments in Garrett County
HUD lists 12 properties with homes for low-income households in Garrett County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 9
- HUD-assisted
- 3
419 homes in all; 357 of them low-income, according to HUD.
- The Meadows at Mountain Lake Tax credit (LIHTC) 607 P St, Mountain Lake Park 21550 90 homes, 88 low-income · 1 bd: 32 · 2 bd: 8 · In service since 2017 · For older adults, people with disabilities
- Overlook North Tax credit (LIHTC) 100 Vista Sq, Oakland 21550 60 homes, 59 low-income · 1 bd: 25 · 2 bd: 27 · 3 bd: 8 · In service since 1999
- Cassel Ridge East Tax credit (LIHTC) 100 Cassel Ridge Dr, Grantsville 21536 36 low-income homes · 1 bd: 6 · 2 bd: 23 · 3 bd: 7 · In service since 2003 · For people with disabilities, families
- Liberty Mews Tax credit (LIHTC) 104 E Center St, Oakland 21550 36 low-income homes · 2 bd: 23 · 3 bd: 13 · In service since 2011 · For families
- Liberty Square Tax credit (LIHTC) 470 W Liberty St, Oakland 21550 30 low-income homes · In service since 2009 · For older adults
- Pysell Ridge Tax credit (LIHTC) 255 Pysell Rd, Mc Henry 21541 30 low-income homes · 1 bd: 8 · 2 bd: 14 · 3 bd: 8 · In service since 2006 · For people with disabilities, families
- Village View Apts Tax credit (LIHTC) 295 Pysell Rd, Mc Henry 21541 28 low-income homes · In service since 2007
- Guardian Apartments HUD-assisted 949 Old River Rd, Friendsville 21531 26 low-income homes · For families · (443) 859-8960
- Starner Hill Apts. HUD-assisted 25 N Pennsylvania Ave, Grantsville 21536 18 low-income homes · For older adults · (301) 895-5842
- Eleventh Street Mitchell Manor HUD-assisted 214 N 11th St, Oakland 21550 7 homes, 6 low-income · For people with disabilities · (301) 334-8449
- Liberty Square LP Tax credit (LIHTC) 10 Liberty Sq, Oakland 21550 29 homes
- MT Village West LDT Partnership Tax credit (LIHTC) 175 Pysell Rd, Mc Henry 21541 29 homes
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Garrett County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. A public housing agency runs it. HUD lists none with an office in Garrett County; the state's agencies can help you. Here is what the rules say:
The rules, with their source
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You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
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Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
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Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
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If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
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When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
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Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $19,950 | $33,250 | $53,200 |
| 2 people | $22,800 | $38,000 | $60,800 |
| 3 people | $27,320 | $42,750 | $68,400 |
| 4 people | $33,000 | $47,500 | $76,000 |
| 5 people | $38,680 | $51,300 | $82,100 |
| 6 people | $44,360 | $55,100 | $88,200 |
| 7 people | $50,040 | $58,900 | $94,250 |
| 8 people | $55,720 | $62,700 | $100,350 |
Area median income: $88,300. HUD income limits by family size, Fiscal year 2026. Area: Garrett County, MD. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $768 – $938
- 1 bedroom $789 – $965
- 2 bedrooms $913 – $1,115
- 3 bedrooms $1,205 – $1,473
- 4 bedrooms $1,210 – $1,478
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
HUD lists no housing agency with an office in Garrett County. You can apply at another agency in your state: you do not have to live where you apply. Source: HUD
Your rights as a tenant in Maryland
What Maryland law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- How much can they charge for a deposit?
- Up to 1 month of rent
- Md. Code, Real Prop. §8-203(b)(1)
- When must they return my deposit?
- 45 days
- Md. Code, Real Prop. §8-203(e)(1)
- If I fall behind on rent, what notice must I get?
- 10 days
- Md. Code, Real Prop. §8-401(c)(1)
- How much notice ends a month-to-month rental?
- 60 days
- Md. Code, Real Prop. §8-402(c)(2)(i)
- Only a court order can remove youMd. Code, Real Prop. §8-216(b)
- Protection from retaliationMd. Code, Real Prop. §8-208.1(a)(1)
Help
Where to get help with rent in Garrett County
This is the nearest HUD-approved agency. They counsel for free or at low cost.
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Allegany County Human Resources Development Commission, Inc
125 Virginia Ave, Cumberland · 28 miles away
- Mortgage delinquency and default
- Budget and financial counseling
- and 1 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Garrett County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Maryland, the average home bill was $166 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$2,028
What you need before you get the keys.
What adds up
- First month
- $1,014
- Security deposit
- $1,014
- Total
- $2,028
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Garrett County?
According to HUD (Fiscal year 2027): Studio: $853; 1 bedroom: $877; 2 bedrooms: $1,014; 3 bedrooms: $1,339; 4 bedrooms: $1,344. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Garrett County?
Paying the 2-bedroom fair market rent ($1,014) without spending more than 30% of income takes $19.50 an hour full time, or $40,560 a year.
Who qualifies for Section 8 in Garrett County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $47,500 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Garrett County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $913 and $1,115 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Garrett County?
For 2 bedrooms they run from $1,010 in 21523 to $1,160 in 21520. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Garrett County?
HUD lists 12 properties with homes for low-income households in Garrett County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Garrett County?
HUD counts rent as a burden when it reaches 30% of income or more. In Garrett County, 35% of renter households are in that position; in Maryland, 51%, and nationwide, 51% (Average 2020–2024, Census).