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Etna, ME

CitySAFMR
Penobscot County
Found 1 ZIP

City Median Investment Score

121Above average

095130300
BRFMR
Eff. Rent
0 BR$1,330$1,330
1 BR$1,460$1,460
2 BR$1,910$1,910
3 BR$2,610$2,610
4 BR$2,680$2,680
5 BR$3,082Not available
6 BR$3,544Not available
7 BR$4,076Not available
8 BR$4,687Not available

Purchase Price Calculator

Maximum purchase price
$221,909

Cost breakdown

+Likely effective rent$1,910
HUD FMRUsed$1,910
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,122
Loan amount$177,527
Down payment$44,382
Rate6.50%
Term30 years
-Operating costs-$588
Property taxes-$222
Insurance-$175
Utilities$0
HOA$0
Management-$191
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,623(69.0% ROI)
Projected value
$238,971
Return breakdown
Property appreciation+$17,063
Loan principal paid down+$6,360
Rental cash flow+$7,200
5-year hold
+$52,503(118.3% ROI)
Projected value
$251,069
Return breakdown
Property appreciation+$29,161
Loan principal paid down+$11,342
Rental cash flow+$12,000
10-year hold
+$113,180(255.0% ROI)
Projected value
$284,062
Return breakdown
Property appreciation+$62,153
Loan principal paid down+$27,026
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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Etna, ME fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Etna, ME is $1,910 a month. That is up 14.4% from $1,670 in FY 2026. Etna is in the Penobscot County, ME (part) HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,496. The median county two-bedroom FMR in Maine is $1,371, so Etna is 39% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Etna, ME
BedroomsFY 2027Change90–110% range
Studio$1,330+13.7%$1,197–$1,463
1BR$1,460+15.0%$1,314–$1,606
2BR$1,910+14.4%$1,719–$2,101
3BR$2,610+20.8%$2,349–$2,871
4BR$2,680+11.2%$2,412–$2,948

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Etna, ME
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,330$1,460$1,910$2,610$2,680
FY 2026$1,170$1,270$1,670$2,160$2,410
FY 2025$980$1,030$1,350$1,700$2,010
FY 2024$840$910$1,190$1,480$1,660
FY 2023$820$850$1,120$1,410$1,500

Questions about Etna, ME rents

How much will Section 8 pay for a two-bedroom in Etna, ME?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,496, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,346 to $1,646 a month; under the ZIP-level Small Area FMR of $1,910 it would be $1,719 to $2,101. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Etna, ME in?

Etna, ME is in the Penobscot County, ME (part) HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,496.

How much did fair market rent change in Etna, ME for FY 2027?

The two-bedroom FMR rose 14.4%, from $1,670 in FY 2026 to $1,910 in FY 2027. Since FY 2023 it has risen 70.5%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set