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Penobscot County/Hudson/04449

04449

ZIPSAFMR
Penobscot County, ME
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$1,500$1,500
1 BR$1,650$1,650
2 BR$2,160$2,160
3 BR$2,940$2,940
4 BR$3,030$3,030
5 BR$3,484Not available
6 BR$4,007Not available
7 BR$4,608Not available
8 BR$5,299Not available

Purchase Price Calculator

Maximum purchase price
$259,059

Cost breakdown

+Likely effective rent$2,160
HUD FMRUsed$2,160
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,310
Loan amount$207,247
Down payment$51,812
Rate6.50%
Term30 years
-Operating costs-$650
Property taxes-$259
Insurance-$175
Utilities$0
HOA$0
Management-$216
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,544(66.7% ROI)
Projected value
$278,978
Return breakdown
Property appreciation+$19,919
Loan principal paid down+$7,425
Rental cash flow+$7,200
5-year hold
+$59,283(114.4% ROI)
Projected value
$293,101
Return breakdown
Property appreciation+$34,042
Loan principal paid down+$13,241
Rental cash flow+$12,000
10-year hold
+$128,109(247.3% ROI)
Projected value
$331,617
Return breakdown
Property appreciation+$72,558
Loan principal paid down+$31,551
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 04449 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 04449 (Hudson, ME) is $2,160 a month. That is up 17.4% from $1,840 in FY 2026. Hudson is in the Penobscot 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 $1,496. Among 50 ZIP codes in Penobscot County, 04449 has the 2nd-highest two-bedroom rent (county range $1,260–$2,350). The median county two-bedroom FMR in Maine is $1,371, so ZIP 04449 is 58% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 04449
BedroomsFY 2027Change90–110% range
Studio$1,500+15.4%$1,350–$1,650
1BR$1,650+17.9%$1,485–$1,815
2BR$2,160+17.4%$1,944–$2,376
3BR$2,940+23.5%$2,646–$3,234
4BR$3,030+13.9%$2,727–$3,333

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 04449
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,500$1,650$2,160$2,940$3,030
FY 2026$1,300$1,400$1,840$2,380$2,660
FY 2025$990$1,040$1,360$1,710$2,030
FY 2024$790$850$1,120$1,390$1,560
FY 2023$770$800$1,050$1,320$1,410

Two-bedroom rent in nearby Penobscot County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 04449
04444$1,760−18.5%
04448$1,580−26.9%
04449Current$2,160—
04450$1,660−23.1%
04451$1,560−27.8%
04453$1,470−31.9%
04455$1,780−17.6%
04456$2,090−3.2%
04457$1,500−30.6%
04459$1,740−19.4%
04460$1,500−30.6%
04461$1,540−28.7%

Questions about ZIP 04449 rents

How much will Section 8 pay for a two-bedroom in ZIP 04449?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,496, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,346 to $1,646 a month; under the ZIP-level Small Area FMR of $2,160 it would be $1,944 to $2,376. 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 04449 in?

ZIP 04449 is in the Penobscot County, ME (part) HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,496.

How much did fair market rent change in ZIP 04449 for FY 2027?

The two-bedroom FMR rose 17.4%, from $1,840 in FY 2026 to $2,160 in FY 2027. Since FY 2023 it has risen 105.7%.

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