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Hancock County/Orland/04472

04472

ZIPSAFMR
Hancock County, ME
Zillow

ZIP Investment Score

72Below average

095130300
BRFMR
Eff. Rent
0 BR$1,290$1,260
1 BR$1,300$1,320
2 BR$1,640$1,650
3 BR$2,270$1,750
4 BR$2,430$1,770
5 BR$2,795Not available
6 BR$3,214Not available
7 BR$3,696Not available
8 BR$4,250Not available

Purchase Price Calculator

Maximum purchase price
$183,273

Cost breakdown

+Likely effective rent$1,650
HUD FMR$1,640
Market rent$1,650
Est. payment standard (100%)Used$1,650
-Principal and interest-$927
Loan amount$146,618
Down payment$36,655
Rate6.50%
Term30 years
-Operating costs-$523
Property taxes-$183
Insurance-$175
Utilities$0
HOA$0
Management-$165
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,545(72.4% ROI)
Projected value
$197,365
Return breakdown
Property appreciation+$14,092
Loan principal paid down+$5,253
Rental cash flow+$7,200
5-year hold
+$45,451(124.0% ROI)
Projected value
$207,356
Return breakdown
Property appreciation+$24,084
Loan principal paid down+$9,367
Rental cash flow+$12,000
10-year hold
+$97,653(266.4% ROI)
Projected value
$234,605
Return breakdown
Property appreciation+$51,332
Loan principal paid down+$22,321
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.02
1 BR
0.98
2 BR
0.99
3 BR
1.30
4 BR
1.37
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 04472 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 04472 (Orland, ME) is $1,640 a month. That is down 6.3% from $1,750 in FY 2026. Orland is in the Hancock County, ME non-metropolitan 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 county-wide two-bedroom FMR of $1,484. Among 46 ZIP codes in Hancock County, 04472 is tied for the 12th-highest two-bedroom rent (county range $1,360–$2,230). The median county two-bedroom FMR in Maine is $1,371, so ZIP 04472 is 20% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 04472
BedroomsFY 2027Change90–110% range
Studio$1,290−9.8%$1,161–$1,419
1BR$1,300−9.7%$1,170–$1,430
2BR$1,640−6.3%$1,476–$1,804
3BR$2,270−5.0%$2,043–$2,497
4BR$2,430+1.3%$2,187–$2,673

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 04472
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,290$1,300$1,640$2,270$2,430
FY 2026$1,430$1,440$1,750$2,390$2,400
FY 2025$1,140$1,150$1,360$1,800$1,800
FY 2024area FMR$996$1,002$1,188$1,576$1,582
FY 2023area FMR$877$882$1,036$1,383$1,392

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Hancock County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 04472
04408$1,360−17.1%
04416$1,360−17.1%
04420$1,480−9.8%
04421$1,430−12.8%
04428$1,830+11.6%
04429$1,910+16.5%
04431$1,6400.0%
04472Current$1,640—
04476$1,470−10.4%
04605$1,460−11.0%
04607$1,730+5.5%
04609$1,730+5.5%

Questions about ZIP 04472 rents

How much will Section 8 pay for a two-bedroom in ZIP 04472?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,484, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,336 to $1,632 a month; under the ZIP-level Small Area FMR of $1,640 it would be $1,476 to $1,804. 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 04472 in?

ZIP 04472 is in the Hancock County, ME non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,484.

How much did fair market rent change in ZIP 04472 for FY 2027?

The two-bedroom FMR fell 6.3%, from $1,750 in FY 2026 to $1,640 in FY 2027. Since FY 2025 it has risen 20.6%.

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