Home/ME/Cumberland County
Cumberland County, ME
CountyFMR
Found 57 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$1,264▲$1,390
1 BR$1,397▲$1,520 – $1,540
2 BR$1,833▲$1,880 – $2,020
3 BR$2,380▲$2,050 – $2,620
4 BR$3,038▲$2,090 – $3,340
5 BR$3,494▲—
6 BR$4,018▲—
7 BR$4,620▲—
8 BR$5,313▲—

Purchase Price Calculator

Maximum purchase price
$238,255

Cost breakdown

+Likely effective rent$2,020
HUD FMR$1,833
Market rent$2,630
Est. payment standard (110%)Used$2,020
Estimated payment standard is $2,020 (110% of FMR).
-Principal and interest-$1,205
Loan amount$190,604
Down payment$47,651
Rate6.50%
Term30 years
-Operating costs-$615
Property taxes-$238
Insurance-$175
Utilities$0
HOA$0
Management-$202
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,348(67.9% ROI)
Projected value
$256,574
Current value$238,255
Return breakdown
Property appreciation+$18,320
Loan principal paid down+$6,829
Rental cash flow+$7,200
5-year hold
+$55,486(116.4% ROI)
Projected value
$269,563
Current value$238,255
Return breakdown
Property appreciation+$31,309
Loan principal paid down+$12,178
Rental cash flow+$12,000
10-year hold
+$119,749(251.3% ROI)
Projected value
$304,986
Current value$238,255
Return breakdown
Property appreciation+$66,731
Loan principal paid down+$29,017
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio- 15 ZIPs
0.08-0.64ratio range
Median FMR$1,264
Median Market$2,120
vs market-$856

FMR is below market; voucher rent may lag private rents.

90% standard$1,138 / 0.54 ratio110% standard$1,390 / 0.66 ratio
15
Studio- 6 ZIPs
0.65-0.68ratio range
Median FMR$1,264
Median Market$1,900
vs market-$636

FMR is below market; voucher rent may lag private rents.

90% standard$1,138 / 0.60 ratio110% standard$1,390 / 0.73 ratio
Studio- 6 ZIPs
0.69-0.72ratio range
Median FMR$1,264
Median Market$1,755
vs market-$491

FMR is below market; voucher rent may lag private rents.

90% standard$1,138 / 0.65 ratio110% standard$1,390 / 0.79 ratio
Studio- 1 ZIP
0.77ratio
FMR$1,264
Market$1,650
vs market-$386

FMR is below market; voucher rent may lag private rents.

90% standard$1,138 / 0.69 ratio110% standard$1,390 / 0.84 ratio
Studio- 2 ZIPs
0.78-0.79ratio range
Median FMR$1,264
Median Market$1,615
vs market-$351

FMR is below market; voucher rent may lag private rents.

90% standard$1,138 / 0.70 ratio110% standard$1,390 / 0.86 ratio
Studio- 1 ZIP
0.84ratio
FMR$1,264
Market$1,500
vs market-$236

FMR is below market; voucher rent may lag private rents.

90% standard$1,138 / 0.76 ratio110% standard$1,390 / 0.93 ratio
0.08-0.84
1 BR
1 BR- 14 ZIPs
0.09-0.64ratio range
Median FMR$1,397
Median Market$2,350
vs market-$953

FMR is below market; voucher rent may lag private rents.

90% standard$1,257 / 0.54 ratio110% standard$1,537 / 0.65 ratio
14
1 BR- 9 ZIPs
0.65-0.68ratio range
Median FMR$1,397
Median Market$2,090
vs market-$693

FMR is below market; voucher rent may lag private rents.

90% standard$1,257 / 0.60 ratio110% standard$1,537 / 0.74 ratio
9
1 BR- 4 ZIPs
0.69-0.70ratio range
Median FMR$1,397
Median Market$2,015
vs market-$618

FMR is below market; voucher rent may lag private rents.

90% standard$1,257 / 0.62 ratio110% standard$1,537 / 0.76 ratio
1 BR- 2 ZIPs
0.76ratio range
Median FMR$1,397
Median Market$1,835
vs market-$438

FMR is below market; voucher rent may lag private rents.

90% standard$1,257 / 0.69 ratio110% standard$1,537 / 0.84 ratio
1 BR- 2 ZIPs
0.86-0.88ratio range
Median FMR$1,397
Median Market$1,605
vs market-$208

FMR is below market; voucher rent may lag private rents.

90% standard$1,257 / 0.78 ratio110% standard$1,537 / 0.96 ratio
0.09-0.88
2 BR
2 BR- 6 ZIPs
0.12-0.64ratio range
Median FMR$1,833
Median Market$3,170
vs market-$1,337

FMR is below market; voucher rent may lag private rents.

90% standard$1,650 / 0.52 ratio110% standard$2,016 / 0.64 ratio
6
2 BR- 8 ZIPs
0.64-0.68ratio range
Median FMR$1,833
Median Market$2,750
vs market-$917

FMR is below market; voucher rent may lag private rents.

90% standard$1,650 / 0.60 ratio110% standard$2,016 / 0.73 ratio
8
2 BR- 5 ZIPs
0.69-0.72ratio range
Median FMR$1,833
Median Market$2,620
vs market-$787

FMR is below market; voucher rent may lag private rents.

90% standard$1,650 / 0.63 ratio110% standard$2,016 / 0.77 ratio
5
2 BR- 3 ZIPs
0.74-0.76ratio range
Median FMR$1,833
Median Market$2,460
vs market-$627

FMR is below market; voucher rent may lag private rents.

90% standard$1,650 / 0.67 ratio110% standard$2,016 / 0.82 ratio
2 BR- 2 ZIPs
0.78-0.80ratio range
Median FMR$1,833
Median Market$2,330
vs market-$497

FMR is below market; voucher rent may lag private rents.

90% standard$1,650 / 0.71 ratio110% standard$2,016 / 0.87 ratio
2 BR- 3 ZIPs
0.82-0.84ratio range
Median FMR$1,833
Median Market$2,200
vs market-$367

FMR is below market; voucher rent may lag private rents.

90% standard$1,650 / 0.75 ratio110% standard$2,016 / 0.92 ratio
2 BR- 1 ZIP
0.86ratio
FMR$1,833
Market$2,120
vs market-$287

FMR is below market; voucher rent may lag private rents.

90% standard$1,650 / 0.78 ratio110% standard$2,016 / 0.95 ratio
2 BR- 3 ZIPs
0.94-0.96ratio range
Median FMR$1,833
Median Market$1,920
vs market-$87

FMR is near market; voucher and private rents are aligned.

90% standard$1,650 / 0.86 ratio110% standard$2,016 / 1.05 ratio
0.12-0.96
3 BR
3 BR- 2 ZIPs
0.14-0.15ratio range
Median FMR$2,380
Median Market$16,185
vs market-$13,805

FMR is below market; voucher rent may lag private rents.

2
3 BR- 1 ZIP
0.68ratio
FMR$2,380
Market$3,520
vs market-$1,140

FMR is below market; voucher rent may lag private rents.

90% standard$2,142 / 0.61 ratio110% standard$2,618 / 0.74 ratio
3 BR- 2 ZIPs
0.72-0.73ratio range
Median FMR$2,380
Median Market$3,295
vs market-$915

FMR is below market; voucher rent may lag private rents.

90% standard$2,142 / 0.65 ratio110% standard$2,618 / 0.79 ratio
2
3 BR- 2 ZIPs
0.75-0.76ratio range
Median FMR$2,380
Median Market$3,160
vs market-$780

FMR is below market; voucher rent may lag private rents.

90% standard$2,142 / 0.68 ratio110% standard$2,618 / 0.83 ratio
2
3 BR- 2 ZIPs
0.82ratio range
Median FMR$2,380
Median Market$2,910
vs market-$530

FMR is below market; voucher rent may lag private rents.

90% standard$2,142 / 0.74 ratio110% standard$2,618 / 0.90 ratio
2
3 BR- 4 ZIPs
0.91-0.93ratio range
Median FMR$2,380
Median Market$2,610
vs market-$230

FMR is near market; voucher and private rents are aligned.

90% standard$2,142 / 0.82 ratio110% standard$2,618 / 1.00 ratio
4
3 BR- 1 ZIP
1.01ratio
FMR$2,380
Market$2,360
vs market+$20

FMR is near market; voucher and private rents are aligned.

90% standard$2,142 / 0.91 ratio110% standard$2,618 / 1.11 ratio
3 BR- 1 ZIP
1.05ratio
FMR$2,380
Market$2,260
vs market+$120

FMR is near market; voucher and private rents are aligned.

90% standard$2,142 / 0.95 ratio110% standard$2,618 / 1.16 ratio
3 BR- 1 ZIP
1.14ratio
FMR$2,380
Market$2,080
vs market+$300

FMR is above market; underwrite to market rent.

90% standard$2,142 / 1.03 ratio110% standard$2,618 / 1.26 ratio
3 BR- 2 ZIPs
1.16ratio range
Median FMR$2,380
Median Market$2,055
vs market+$325

FMR is above market; underwrite to market rent.

90% standard$2,142 / 1.04 ratio110% standard$2,618 / 1.27 ratio
2
0.14-1.16
4 BR
4 BR- 2 ZIPs
0.18-0.19ratio range
Median FMR$3,038
Median Market$16,375
vs market-$13,337

FMR is below market; voucher rent may lag private rents.

4 BR- 1 ZIP
0.80ratio
FMR$3,038
Market$3,820
vs market-$782

FMR is below market; voucher rent may lag private rents.

90% standard$2,734 / 0.72 ratio110% standard$3,342 / 0.87 ratio
4 BR- 3 ZIPs
0.82-0.85ratio range
Median FMR$3,038
Median Market$3,720
vs market-$682

FMR is below market; voucher rent may lag private rents.

90% standard$2,734 / 0.73 ratio110% standard$3,342 / 0.90 ratio
3
4 BR- 6 ZIPs
0.86-0.89ratio range
Median FMR$3,038
Median Market$3,485
vs market-$447

FMR is below market; voucher rent may lag private rents.

90% standard$2,734 / 0.78 ratio110% standard$3,342 / 0.96 ratio
6
4 BR- 4 ZIPs
0.90-0.94ratio range
Median FMR$3,038
Median Market$3,310
vs market-$272

FMR is near market; voucher and private rents are aligned.

90% standard$2,734 / 0.83 ratio110% standard$3,342 / 1.01 ratio
4
4 BR- 2 ZIPs
1.01ratio range
Median FMR$3,038
Median Market$3,010
vs market+$28

FMR is near market; voucher and private rents are aligned.

90% standard$2,734 / 0.91 ratio110% standard$3,342 / 1.11 ratio
4 BR- 3 ZIPs
1.03-1.04ratio range
Median FMR$3,038
Median Market$2,930
vs market+$108

FMR is near market; voucher and private rents are aligned.

90% standard$2,734 / 0.93 ratio110% standard$3,342 / 1.14 ratio
3
4 BR- 4 ZIPs
1.10-1.13ratio range
Median FMR$3,038
Median Market$2,715
vs market+$323

FMR is above market; underwrite to market rent.

90% standard$2,734 / 1.01 ratio110% standard$3,342 / 1.23 ratio
4
4 BR- 1 ZIP
1.23ratio
FMR$3,038
Market$2,480
vs market+$558

FMR is above market; underwrite to market rent.

90% standard$2,734 / 1.10 ratio110% standard$3,342 / 1.35 ratio
4 BR- 1 ZIP
1.29ratio
FMR$3,038
Market$2,360
vs market+$678

FMR is above market; underwrite to market rent.

90% standard$2,734 / 1.16 ratio110% standard$3,342 / 1.42 ratio
4 BR- 4 ZIPs
1.36-1.45ratio range
Median FMR$3,038
Median Market$2,210
vs market+$828

FMR is above market; underwrite to market rent.

90% standard$2,734 / 1.24 ratio110% standard$3,342 / 1.51 ratio
4
0.18-1.45
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for Cumberland County, ME (ME) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled FMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

What is FMR?What is SAFMR?Data sourcesIncomplete geos
Related ZIPs
04003040090401104013040150401704019040210402204024

Cumberland County, ME fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for Cumberland County, ME shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,833 and the 4 bedroom fair market rent is $3,038.

Use this page for searches like Cumberland County, ME FMR, Cumberland County, ME fair market rent, and Cumberland County, ME Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for Cumberland County, ME
Bedroom sizeHUD FMR
Studio$1,264
1 bedroom$1,397
2 bedroom$1,833
3 bedroom$2,380
4 bedroom$3,038
04003 FMR04009 FMR04011 FMR04013 FMR04015 FMR04017 FMR04019 FMR04021 FMR