04456
ZIPFMR
Penobscot County, ME
BRFMR
Eff. Rent
0 BR$982$1,080
1 BR$1,061$1,170
2 BR$1,392$1,520
3 BR$1,799$1,690
4 BR$2,010$1,740
5 BR$2,312
6 BR$2,658
7 BR$3,057
8 BR$3,516

Purchase Price Calculator

Maximum purchase price
$163,955

Cost breakdown

+Likely effective rent$1,520
HUD FMR$1,392
Market rent$1,590
Est. payment standard (109%)Used$1,520
Estimated payment standard is $1,520 (109% of FMR).
-Principal and interest-$829
Loan amount$131,164
Down payment$32,791
Rate6.50%
Term30 years
-Operating costs-$491
Property taxes-$164
Insurance-$175
Utilities$0
HOA$0
Management-$152
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,506(74.7% ROI)
Projected value
$176,561
Current value$163,955
Return breakdown
Property appreciation+$12,607
Loan principal paid down+$4,699
Rental cash flow+$7,200
5-year hold
+$41,925(127.9% ROI)
Projected value
$185,500
Current value$163,955
Return breakdown
Property appreciation+$21,545
Loan principal paid down+$8,380
Rental cash flow+$12,000
10-year hold
+$89,889(274.1% ROI)
Projected value
$209,876
Current value$163,955
Return breakdown
Property appreciation+$45,921
Loan principal paid down+$19,968
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
0.65ratio
FMR$982
Market$1,500
vs market-$518

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

90% standard$884 / 0.59 ratio110% standard$1,080 / 0.72 ratio
0.65
1 BR
1 BR
0.71ratio
FMR$1,061
Market$1,490
vs market-$429

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

90% standard$955 / 0.64 ratio110% standard$1,167 / 0.78 ratio
0.71
2 BR
2 BR
0.88ratio
FMR$1,392
Market$1,590
vs market-$198

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

90% standard$1,253 / 0.79 ratio110% standard$1,531 / 0.96 ratio
0.88
3 BR
3 BR
1.06ratio
FMR$1,799
Market$1,690
vs market+$109

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

90% standard$1,619 / 0.96 ratio110% standard$1,979 / 1.17 ratio
1.06
4 BR
4 BR
1.16ratio
FMR$2,010
Market$1,740
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$1,809 / 1.04 ratio110% standard$2,211 / 1.27 ratio
1.16
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 04456 (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.

04456 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 04456 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,392 and the 4 bedroom fair market rent is $2,010.

Use this page for searches like 04456 FMR, 04456 fair market rent, and 04456 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 04456
Bedroom sizeHUD FMR
Studio$982
1 bedroom$1,061
2 bedroom$1,392
3 bedroom$1,799
4 bedroom$2,010