03910

ZIPSAFMR

York County, ME

ZIP Investment Score

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$1,490	$1,640	6.0%
1 BR	$1,640	$1,800	5.4%
2 BR	$2,140	$2,350	5.2%
3 BR	$2,550	$2,700	1.8%
4 BR	$3,330	$2,880	2.2%
5 BR	$3,829	Not available	2.2%
6 BR	$4,404	Not available	2.2%
7 BR	$5,065	Not available	2.2%
8 BR	$5,824	Not available	2.2%

Purchase Price Calculator

Maximum purchase price

$287,293

Cost breakdown

+Likely effective rent$2,350

HUD FMR$2,140

Market rent$2,520

Est. payment standard (110%)Used$2,350

-Principal and interest-$1,453

Loan amount$229,834

Down payment$57,459

Rate6.50%

Term30 years

-Operating costs-$697

Property taxes-$287

Insurance-$175

Utilities$0

HOA$0

Management-$235

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$37,525(65.3% ROI)

Projected value

$309,383

Return breakdown

Property appreciation+$22,090

Loan principal paid down+$8,234

Rental cash flow+$7,200

5-year hold

+$64,437(112.1% ROI)

Projected value

$325,045

Return breakdown

Property appreciation+$37,753

Loan principal paid down+$14,684

Rental cash flow+$12,000

10-year hold

+$139,456(242.7% ROI)

Projected value

$367,759

Return breakdown

Property appreciation+$80,466

Loan principal paid down+$34,990

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.66ratio

FMR$1,490

Market$2,260

vs market-$770

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

0.66

1 BR

0.73ratio

FMR$1,640

Market$2,260

vs market-$620

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

0.73

2 BR

0.85ratio

FMR$2,140

Market$2,520

vs market-$380

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

0.85

3 BR

0.92ratio

FMR$2,550

Market$2,780

vs market-$230

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

0.92

4 BR

1.16ratio

FMR$3,330

Market$2,880

vs market+$450

FMR is above market; underwrite to market rent.

1.16

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 03910 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 03910 (York Beach, ME) is $2,140 a month. That is down 2.3% from $2,190 in FY 2026. York Beach is in the York 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 $1,792. Among 43 ZIP codes in York County, 03910 is tied for the 11th-highest two-bedroom rent (county range $1,550–$3,010). The median county two-bedroom FMR in Maine is $1,371, so ZIP 03910 is 56% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 03910
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$1,510	$1,490	−1.3%	$1,341–$1,639
1BR	$1,670	$1,640	−1.8%	$1,476–$1,804
2BR	$2,190	$2,140	−2.3%	$1,926–$2,354
3BR	$2,630	$2,550	−3.0%	$2,295–$2,805
4BR	$3,670	$3,330	−9.3%	$2,997–$3,663

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 03910
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$1,490	$1,640	$2,140	$2,550	$3,330
FY 2026	$1,510	$1,670	$2,190	$2,630	$3,670
FY 2025	$1,430	$1,610	$2,080	$2,690	$3,490
FY 2024	$1,250	$1,400	$1,840	$2,420	$3,120
FY 2023	$1,170	$1,310	$1,730	$2,380	$2,950

Two-bedroom rent in nearby York County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 03910
03901	$2,230	+4.2%
03902	$2,270	+6.1%
03903	$2,820	+31.8%
03904	$2,420	+13.1%
03905	$3,010	+40.7%
03906	$1,990	−7.0%
03907	$2,570	+20.1%
03908	$2,280	+6.5%
03909	$2,140	0.0%
03910Current	$2,140	—
03911	$2,140	0.0%
04001	$1,550	−27.6%

Questions about ZIP 03910 rents

How much will Section 8 pay for a two-bedroom in ZIP 03910?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,792, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,613 to $1,971 a month; under the ZIP-level Small Area FMR of $2,140 it would be $1,926 to $2,354. 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 ZIP 03910 in?

ZIP 03910 is in the York County, ME (part) HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,792.

How much did fair market rent change in ZIP 03910 for FY 2027?

The two-bedroom FMR fell 2.3%, from $2,190 in FY 2026 to $2,140 in FY 2027. Since FY 2023 it has risen 23.7%.

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

County fair market rent York Beach, ME fair market rent ME statewide rents What is SAFMR?Data sources