04078
ZIPFMR
Cumberland County, ME
BRFMR
Eff. Rent
0 BR$1,264$1,390
1 BR$1,397$1,540
2 BR$1,833$2,020
3 BR$2,380$2,620
4 BR$3,038$3,250
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$2,730
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

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

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

Studio
Studio
0.66ratio
FMR$1,264
Market$1,910
vs market-$646

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

90% standard$1,138 / 0.60 ratio110% standard$1,390 / 0.73 ratio
0.66
1 BR
1 BR
0.62ratio
FMR$1,397
Market$2,270
vs market-$873

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

90% standard$1,257 / 0.55 ratio110% standard$1,537 / 0.68 ratio
0.62
2 BR
2 BR
0.67ratio
FMR$1,833
Market$2,730
vs market-$897

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

90% standard$1,650 / 0.60 ratio110% standard$2,016 / 0.74 ratio
0.67
3 BR
3 BR
0.75ratio
FMR$2,380
Market$3,190
vs market-$810

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

90% standard$2,142 / 0.67 ratio110% standard$2,618 / 0.82 ratio
0.75
4 BR
4 BR
0.90ratio
FMR$3,038
Market$3,360
vs market-$322

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

90% standard$2,734 / 0.81 ratio110% standard$3,342 / 0.99 ratio
0.90
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

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 04078 (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.

04078 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 04078 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 04078 FMR, 04078 fair market rent, and 04078 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 04078
Bedroom sizeHUD FMR
Studio$1,264
1 bedroom$1,397
2 bedroom$1,833
3 bedroom$2,380
4 bedroom$3,038