04104
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$2,380
4 BR$3,038$2,360
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$2,200
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
0.67ratio
FMR$1,264
Market$1,890
vs market-$626

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

90% standard$1,138 / 0.60 ratio110% standard$1,390 / 0.74 ratio
0.67
1 BR
1 BR
0.69ratio
FMR$1,397
Market$2,020
vs market-$623

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

90% standard$1,257 / 0.62 ratio110% standard$1,537 / 0.76 ratio
0.69
2 BR
2 BR
0.83ratio
FMR$1,833
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
0.83
4 BR
4 BR
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
1.29
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 04104 (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.

04104 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 04104 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 04104 FMR, 04104 fair market rent, and 04104 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 04104
Bedroom sizeHUD FMR
Studio$1,264
1 bedroom$1,397
2 bedroom$1,833
3 bedroom$2,380
4 bedroom$3,038