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Androscoggin County/Oxford/04270

04270

ZIPSAFMR
Androscoggin County, ME
Zillow

ZIP Investment Score

91Below average

095130300
BRFMR
Eff. Rent
0 BR$1,100$1,100
1 BR$1,230$1,230
2 BR$1,580$1,580
3 BR$2,190$2,190
4 BR$2,640$2,640
5 BR$3,036Not available
6 BR$3,491Not available
7 BR$4,015Not available
8 BR$4,617Not available

Purchase Price Calculator

Maximum purchase price
$172,871

Cost breakdown

+Likely effective rent$1,580
HUD FMRUsed$1,580
Market rentN/A
Est. payment standardN/A
-Principal and interest-$874
Loan amount$138,297
Down payment$34,574
Rate6.50%
Term30 years
-Operating costs-$506
Property taxes-$173
Insurance-$175
Utilities$0
HOA$0
Management-$158
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,447(73.6% ROI)
Projected value
$186,163
Return breakdown
Property appreciation+$13,292
Loan principal paid down+$4,955
Rental cash flow+$7,200
5-year hold
+$43,552(126.0% ROI)
Projected value
$195,588
Return breakdown
Property appreciation+$22,717
Loan principal paid down+$8,836
Rental cash flow+$12,000
10-year hold
+$93,473(270.4% ROI)
Projected value
$221,289
Return breakdown
Property appreciation+$48,418
Loan principal paid down+$21,054
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
--
Mortgage rate
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ZIP 04270 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 04270 (Oxford, ME) is $1,580 a month. That is down 5.4% from $1,670 in FY 2026. Oxford is in the Lewiston-Auburn, ME MSA. 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 $1,677. Among 29 ZIP codes in Androscoggin County, 04270 has the 24th-highest two-bedroom rent (county range $1,430–$1,970). The median county two-bedroom FMR in Maine is $1,371, so ZIP 04270 is 15% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 04270
BedroomsFY 2027Change90–110% range
Studio$1,100−4.3%$990–$1,210
1BR$1,230−3.1%$1,107–$1,353
2BR$1,580−5.4%$1,422–$1,738
3BR$2,190−5.6%$1,971–$2,409
4BR$2,640−5.7%$2,376–$2,904

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 04270
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,100$1,230$1,580$2,190$2,640
FY 2026$1,150$1,270$1,670$2,320$2,800
FY 2025$1,030$1,040$1,360$1,780$2,280
FY 2024$750$880$1,110$1,460$1,630
FY 2023$750$830$1,060$1,390$1,580

Two-bedroom rent in nearby Androscoggin County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 04270
04252$1,970+24.7%
04253$1,480−6.3%
04254$1,430−9.5%
04256$1,860+17.7%
04258$1,750+10.8%
04260$1,880+19.0%
04263$1,680+6.3%
04266$1,680+6.3%
04270Current$1,580—
04274$1,920+21.5%
04280$1,640+3.8%
04282$1,750+10.8%

Questions about ZIP 04270 rents

How much will Section 8 pay for a two-bedroom in ZIP 04270?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,677, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,509 to $1,845 a month; under the ZIP-level Small Area FMR of $1,580 it would be $1,422 to $1,738. 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 04270 in?

ZIP 04270 is in the Lewiston-Auburn, ME MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,677.

How much did fair market rent change in ZIP 04270 for FY 2027?

The two-bedroom FMR fell 5.4%, from $1,670 in FY 2026 to $1,580 in FY 2027. Since FY 2023 it has risen 49.1%.

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