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ME/Lincoln County/Jefferson

Jefferson, ME

CitySAFMR
Lincoln County
Found 1 ZIP

City Median Investment Score

74Below average

095130300
BRFMR
Eff. Rent
0 BR$1,260$1,260
1 BR$1,310$1,310
2 BR$1,430$1,430
3 BR$1,980$1,980
4 BR$2,140$2,140
5 BR$2,461Not available
6 BR$2,830Not available
7 BR$3,255Not available
8 BR$3,743Not available

Purchase Price Calculator

Maximum purchase price
$150,581

Cost breakdown

+Likely effective rent$1,430
HUD FMRUsed$1,430
Market rentN/A
Est. payment standardN/A
-Principal and interest-$761
Loan amount$120,465
Down payment$30,116
Rate6.50%
Term30 years
-Operating costs-$469
Property taxes-$151
Insurance-$175
Utilities$0
HOA$0
Management-$143
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,094(76.7% ROI)
Projected value
$162,159
Return breakdown
Property appreciation+$11,578
Loan principal paid down+$4,316
Rental cash flow+$7,200
5-year hold
+$39,484(131.1% ROI)
Projected value
$170,368
Return breakdown
Property appreciation+$19,788
Loan principal paid down+$7,697
Rental cash flow+$12,000
10-year hold
+$84,515(280.6% ROI)
Projected value
$192,756
Return breakdown
Property appreciation+$42,175
Loan principal paid down+$18,339
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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Jefferson, ME fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Jefferson, ME is $1,430 a month. That is up 0.7% from $1,420 in FY 2026. Jefferson is in the Lincoln County, ME non-metropolitan 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 county-wide two-bedroom FMR of $1,307. The median county two-bedroom FMR in Maine is $1,371, so Jefferson is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Jefferson, ME
BedroomsFY 2027Change90–110% range
Studio$1,260+1.6%$1,134–$1,386
1BR$1,310+0.8%$1,179–$1,441
2BR$1,430+0.7%$1,287–$1,573
3BR$1,980+1.0%$1,782–$2,178
4BR$2,140+8.6%$1,926–$2,354

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Jefferson, ME
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,260$1,310$1,430$1,980$2,140
FY 2026$1,240$1,300$1,420$1,960$1,970
FY 2025$1,080$1,100$1,240$1,640$1,640
FY 2024area FMR$942$978$1,183$1,575$1,654
FY 2023area FMR$913$918$1,165$1,418$1,773

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Questions about Jefferson, ME rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,307, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,176 to $1,438 a month; under the ZIP-level Small Area FMR of $1,430 it would be $1,287 to $1,573. 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 Jefferson, ME in?

Jefferson, ME is in the Lincoln County, ME non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,307.

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

The two-bedroom FMR rose 0.7%, from $1,420 in FY 2026 to $1,430 in FY 2027. Since FY 2025 it has risen 15.3%.

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