Home/ME/Penobscot County
Penobscot County, ME
CountyFMR
Found 50 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$982▲$1,000 – $1,080
1 BR$1,061▲$1,140 – $1,170
2 BR$1,392▲$1,440 – $1,530
3 BR$1,799▲$1,620 – $1,980
4 BR$2,010▲$1,600 – $2,210
5 BR$2,312▲—
6 BR$2,658▲—
7 BR$3,057▲—
8 BR$3,516▲—

Purchase Price Calculator

Maximum purchase price
$159,497

Cost breakdown

+Likely effective rent$1,490
HUD FMR$1,392
Market rent$1,550
Est. payment standard (107%)Used$1,490
Estimated payment standard is $1,490 (107% of FMR).
-Principal and interest-$807
Loan amount$127,598
Down payment$31,899
Rate6.50%
Term30 years
-Operating costs-$483
Property taxes-$159
Insurance-$175
Utilities$0
HOA$0
Management-$149
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,035(75.3% ROI)
Projected value
$171,761
Current value$159,497
Return breakdown
Property appreciation+$12,264
Loan principal paid down+$4,572
Rental cash flow+$7,200
5-year hold
+$41,111(128.9% ROI)
Projected value
$180,456
Current value$159,497
Return breakdown
Property appreciation+$20,959
Loan principal paid down+$8,152
Rental cash flow+$12,000
10-year hold
+$88,098(276.2% ROI)
Projected value
$204,170
Current value$159,497
Return breakdown
Property appreciation+$44,673
Loan principal paid down+$19,425
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- 1 ZIP
0.65ratio
FMR$982
Market$1,500
vs market-$518

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

90% standard$884 / 0.59 ratio110% standard$1,080 / 0.72 ratio
Studio- 2 ZIPs
0.73-0.77ratio range
Median FMR$982
Median Market$1,310
vs market-$328

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

90% standard$884 / 0.68 ratio110% standard$1,080 / 0.83 ratio
2
Studio- 2 ZIPs
0.77-0.81ratio range
Median FMR$982
Median Market$1,240
vs market-$258

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

90% standard$884 / 0.71 ratio110% standard$1,080 / 0.87 ratio
2
Studio- 1 ZIP
0.85ratio
FMR$982
Market$1,160
vs market-$178

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

90% standard$884 / 0.76 ratio110% standard$1,080 / 0.93 ratio
Studio- 1 ZIP
0.88ratio
FMR$982
Market$1,110
vs market-$128

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

90% standard$884 / 0.80 ratio110% standard$1,080 / 0.97 ratio
Studio- 1 ZIP
0.94ratio
FMR$982
Market$1,050
vs market-$68

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

90% standard$884 / 0.84 ratio110% standard$1,080 / 1.03 ratio
Studio- 3 ZIPs
0.95-0.97ratio range
Median FMR$982
Median Market$1,030
vs market-$48

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

90% standard$884 / 0.86 ratio110% standard$1,080 / 1.05 ratio
3
0.65-0.97
1 BR
1 BR- 1 ZIP
0.64ratio
FMR$1,061
Market$1,670
vs market-$609

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

90% standard$955 / 0.57 ratio110% standard$1,167 / 0.70 ratio
1 BR- 1 ZIP
0.71ratio
FMR$1,061
Market$1,490
vs market-$429

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

90% standard$955 / 0.64 ratio110% standard$1,167 / 0.78 ratio
1 BR- 2 ZIPs
0.75-0.76ratio range
Median FMR$1,061
Median Market$1,400
vs market-$339

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

90% standard$955 / 0.68 ratio110% standard$1,167 / 0.83 ratio
2
1 BR- 2 ZIPs
0.78-0.79ratio range
Median FMR$1,061
Median Market$1,355
vs market-$294

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

90% standard$955 / 0.70 ratio110% standard$1,167 / 0.86 ratio
2
1 BR- 2 ZIPs
0.82-0.83ratio range
Median FMR$1,061
Median Market$1,285
vs market-$224

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

90% standard$955 / 0.74 ratio110% standard$1,167 / 0.91 ratio
2
1 BR- 3 ZIPs
0.86-0.89ratio range
Median FMR$1,061
Median Market$1,200
vs market-$139

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

90% standard$955 / 0.80 ratio110% standard$1,167 / 0.97 ratio
3
0.64-0.89
2 BR
2 BR- 1 ZIP
0.77ratio
FMR$1,392
Market$1,800
vs market-$408

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

90% standard$1,253 / 0.70 ratio110% standard$1,531 / 0.85 ratio
2 BR- 1 ZIP
0.84ratio
FMR$1,392
Market$1,650
vs market-$258

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

90% standard$1,253 / 0.76 ratio110% standard$1,531 / 0.93 ratio
2 BR- 4 ZIPs
0.88-0.90ratio range
Median FMR$1,392
Median Market$1,580
vs market-$188

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

90% standard$1,253 / 0.79 ratio110% standard$1,531 / 0.97 ratio
4
2 BR- 2 ZIPs
0.93ratio range
Median FMR$1,392
Median Market$1,495
vs market-$103

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

90% standard$1,253 / 0.84 ratio110% standard$1,531 / 1.02 ratio
2
2 BR- 3 ZIPs
0.94-0.95ratio range
Median FMR$1,392
Median Market$1,470
vs market-$78

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

90% standard$1,253 / 0.85 ratio110% standard$1,531 / 1.04 ratio
3
0.77-0.95
3 BR
3 BR- 1 ZIP
0.85ratio
FMR$1,799
Market$2,120
vs market-$321

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

90% standard$1,619 / 0.76 ratio110% standard$1,979 / 0.93 ratio
3 BR- 2 ZIPs
0.96-0.97ratio range
Median FMR$1,799
Median Market$1,860
vs market-$61

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

90% standard$1,619 / 0.87 ratio110% standard$1,979 / 1.06 ratio
2
3 BR- 1 ZIP
1.01ratio
FMR$1,799
Market$1,780
vs market+$19

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

90% standard$1,619 / 0.91 ratio110% standard$1,979 / 1.11 ratio
3 BR- 4 ZIPs
1.02-1.05ratio range
Median FMR$1,799
Median Market$1,760
vs market+$39

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

90% standard$1,619 / 0.92 ratio110% standard$1,979 / 1.12 ratio
4
3 BR- 2 ZIPs
1.06-1.08ratio range
Median FMR$1,799
Median Market$1,680
vs market+$119

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

90% standard$1,619 / 0.96 ratio110% standard$1,979 / 1.18 ratio
2
3 BR- 1 ZIP
1.11ratio
FMR$1,799
Market$1,620
vs market+$179

FMR is above market; underwrite to market rent.

90% standard$1,619 / 1.00 ratio110% standard$1,979 / 1.22 ratio
0.85-1.11
4 BR
4 BR- 1 ZIP
0.81ratio
FMR$2,010
Market$2,470
vs market-$460

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

90% standard$1,809 / 0.73 ratio110% standard$2,211 / 0.90 ratio
4 BR- 3 ZIPs
0.83-0.84ratio range
Median FMR$2,010
Median Market$2,400
vs market-$390

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

90% standard$1,809 / 0.75 ratio110% standard$2,211 / 0.92 ratio
3
4 BR- 2 ZIPs
0.98-1.00ratio range
Median FMR$2,010
Median Market$2,025
vs market-$15

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

90% standard$1,809 / 0.89 ratio110% standard$2,211 / 1.09 ratio
2
4 BR- 1 ZIP
1.07ratio
FMR$2,010
Market$1,880
vs market+$130

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

90% standard$1,809 / 0.96 ratio110% standard$2,211 / 1.18 ratio
4 BR- 1 ZIP
1.12ratio
FMR$2,010
Market$1,800
vs market+$210

FMR is above market; underwrite to market rent.

90% standard$1,809 / 1.01 ratio110% standard$2,211 / 1.23 ratio
4 BR- 1 ZIP
1.16ratio
FMR$2,010
Market$1,740
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$1,809 / 1.04 ratio110% standard$2,211 / 1.27 ratio
4 BR- 1 ZIP
1.21ratio
FMR$2,010
Market$1,660
vs market+$350

FMR is above market; underwrite to market rent.

90% standard$1,809 / 1.09 ratio110% standard$2,211 / 1.33 ratio
4 BR- 1 ZIP
1.26ratio
FMR$2,010
Market$1,600
vs market+$410

FMR is above market; underwrite to market rent.

90% standard$1,809 / 1.13 ratio110% standard$2,211 / 1.38 ratio
0.81-1.26
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 Penobscot 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
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Penobscot County, ME fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for Penobscot County, ME shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,392 and the 4 bedroom fair market rent is $2,010.

Use this page for searches like Penobscot County, ME FMR, Penobscot County, ME fair market rent, and Penobscot 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 Penobscot County, ME
Bedroom sizeHUD FMR
Studio$982
1 bedroom$1,061
2 bedroom$1,392
3 bedroom$1,799
4 bedroom$2,010
04401 FMR04402 FMR04410 FMR04411 FMR04412 FMR04417 FMR04418 FMR04419 FMR