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Penobscot County/Winn/04495

04495

ZIPSAFMR
Penobscot County, ME
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$1,240$1,240
1 BR$1,360$1,360
2 BR$1,780$1,780
3 BR$2,430$2,430
4 BR$2,490$2,490
5 BR$2,864Not available
6 BR$3,293Not available
7 BR$3,787Not available
8 BR$4,355Not available

Purchase Price Calculator

Maximum purchase price
$202,591

Cost breakdown

+Likely effective rent$1,780
HUD FMRUsed$1,780
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,024
Loan amount$162,073
Down payment$40,518
Rate6.50%
Term30 years
-Operating costs-$556
Property taxes-$203
Insurance-$175
Utilities$0
HOA$0
Management-$178
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,584(70.5% ROI)
Projected value
$218,168
Return breakdown
Property appreciation+$15,577
Loan principal paid down+$5,807
Rental cash flow+$7,200
5-year hold
+$48,977(120.9% ROI)
Projected value
$229,213
Return breakdown
Property appreciation+$26,622
Loan principal paid down+$10,355
Rental cash flow+$12,000
10-year hold
+$105,416(260.2% ROI)
Projected value
$259,333
Return breakdown
Property appreciation+$56,743
Loan principal paid down+$24,674
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
--
Tax rate
--
Mortgage rate
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ZIP 04495 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 04495 (Winn, ME) is $1,780 a month. That is up 9.2% from $1,630 in FY 2026. Winn 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, 04495 is tied for the 16th-highest two-bedroom rent (county range $1,260–$2,350). The median county two-bedroom FMR in Maine is $1,371, so ZIP 04495 is 30% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 04495
BedroomsFY 2027Change90–110% range
Studio$1,240+7.8%$1,116–$1,364
1BR$1,360+9.7%$1,224–$1,496
2BR$1,780+9.2%$1,602–$1,958
3BR$2,430+15.2%$2,187–$2,673
4BR$2,490+6.0%$2,241–$2,739

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 04495
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,240$1,360$1,780$2,430$2,490
FY 2026$1,150$1,240$1,630$2,110$2,350
FY 2025$970$1,020$1,340$1,690$2,000
FY 2024$840$900$1,180$1,470$1,650
FY 2023$650$680$890$1,120$1,190

Two-bedroom rent in nearby Penobscot County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 04495
04462$1,280−28.1%
04468$1,760−1.1%
04469$1,870+5.1%
04473$1,920+7.9%
04474$1,790+0.6%
04475$1,460−18.0%
04487$1,7800.0%
04488$1,730−2.8%
04489$2,350+32.0%
04493$1,280−28.1%
04495Current$1,780—
04497$1,260−29.2%

Questions about ZIP 04495 rents

How much will Section 8 pay for a two-bedroom in ZIP 04495?

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 $1,780 it would be $1,602 to $1,958. 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 04495 in?

ZIP 04495 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 04495 for FY 2027?

The two-bedroom FMR rose 9.2%, from $1,630 in FY 2026 to $1,780 in FY 2027. Since FY 2023 it has risen 100.0%.

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