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Cumberland County/Cumberland Foreside/04110

04110

ZIPSAFMR
Cumberland County, ME
Zillow

ZIP Investment Score

44Below average

095130300
BRFMR
Eff. Rent
0 BR$2,000$1,790
1 BR$2,280$2,140
2 BR$2,870$2,800
3 BR$3,550$3,550
4 BR$3,780$3,480
5 BR$4,347Not available
6 BR$4,999Not available
7 BR$5,749Not available
8 BR$6,611Not available

Purchase Price Calculator

Maximum purchase price
$354,162

Cost breakdown

+Likely effective rent$2,800
HUD FMR$2,870
Market rentUsed$2,800
Est. payment standard (98%)$2,820
-Principal and interest-$1,791
Loan amount$283,330
Down payment$70,832
Rate6.50%
Term30 years
-Operating costs-$809
Property taxes-$354
Insurance-$175
Utilities$0
HOA$0
Management-$280
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$44,583(62.9% ROI)
Projected value
$381,394
Return breakdown
Property appreciation+$27,232
Loan principal paid down+$10,151
Rental cash flow+$7,200
5-year hold
+$76,642(108.2% ROI)
Projected value
$400,702
Return breakdown
Property appreciation+$46,540
Loan principal paid down+$18,102
Rental cash flow+$12,000
10-year hold
+$166,329(234.8% ROI)
Projected value
$453,358
Return breakdown
Property appreciation+$99,195
Loan principal paid down+$43,134
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.12
1 BR
1.07
2 BR
1.02
4 BR
1.09
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 04110 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 04110 (Cumberland Foreside, ME) is $2,870 a month. That is up 12.1% from $2,560 in FY 2026. Cumberland Foreside is in the Cumberland 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 $1,941. Among 53 ZIP codes in Cumberland County, 04110 has the 7th-highest two-bedroom rent (county range $1,650–$3,440). The median county two-bedroom FMR in Maine is $1,371, so ZIP 04110 is 109% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 04110
BedroomsFY 2027Change90–110% range
Studio$2,000+13.6%$1,800–$2,200
1BR$2,280+14.6%$2,052–$2,508
2BR$2,870+12.1%$2,583–$3,157
3BR$3,550+14.1%$3,195–$3,905
4BR$3,780+11.8%$3,402–$4,158

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 04110
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,000$2,280$2,870$3,550$3,780
FY 2026$1,760$1,990$2,560$3,110$3,380
FY 2025$1,660$1,880$2,420$2,970$3,330
FY 2024$1,520$1,740$2,240$2,780$3,160
FY 2023$1,410$1,650$2,120$2,670$3,110

Two-bedroom rent in nearby Cumberland County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 04110
04101$2,420−15.7%
04102$2,340−18.5%
04103$2,380−17.1%
04104$2,340−18.5%
04105$3,200+11.5%
04106$2,640−8.0%
04107$3,360+17.1%
04108$2,270−20.9%
04109$2,640−8.0%
04110Current$2,870—
04112$2,340−18.5%
04116$2,340−18.5%

Questions about ZIP 04110 rents

How much will Section 8 pay for a two-bedroom in ZIP 04110?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,941, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,747 to $2,135 a month; under the ZIP-level Small Area FMR of $2,870 it would be $2,583 to $3,157. 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 04110 in?

ZIP 04110 is in the Cumberland County, ME (part) HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,941.

How much did fair market rent change in ZIP 04110 for FY 2027?

The two-bedroom FMR rose 12.1%, from $2,560 in FY 2026 to $2,870 in FY 2027. Since FY 2023 it has risen 35.4%.

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 rentCumberland Foreside, ME fair market rentME statewide rentsWhat is SAFMR?Data sources