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Waldo County/Winterport/04496

04496

ZIPSAFMR
Waldo County, ME
Zillow

ZIP Investment Score

76Below average

095130300
BRFMR
Eff. Rent
0 BR$1,230$1,230
1 BR$1,290$1,290
2 BR$1,610$1,610
3 BR$2,130$2,130
4 BR$2,330$2,330
5 BR$2,680Not available
6 BR$3,081Not available
7 BR$3,544Not available
8 BR$4,075Not available

Purchase Price Calculator

Maximum purchase price
$177,329

Cost breakdown

+Likely effective rent$1,610
HUD FMRUsed$1,610
Market rentN/A
Est. payment standardN/A
-Principal and interest-$897
Loan amount$141,863
Down payment$35,466
Rate6.50%
Term30 years
-Operating costs-$513
Property taxes-$177
Insurance-$175
Utilities$0
HOA$0
Management-$161
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,918(73.1% ROI)
Projected value
$190,964
Return breakdown
Property appreciation+$13,635
Loan principal paid down+$5,083
Rental cash flow+$7,200
5-year hold
+$44,366(125.1% ROI)
Projected value
$200,631
Return breakdown
Property appreciation+$23,302
Loan principal paid down+$9,064
Rental cash flow+$12,000
10-year hold
+$95,264(268.6% ROI)
Projected value
$226,996
Return breakdown
Property appreciation+$49,667
Loan principal paid down+$21,597
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 04496 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 04496 (Winterport, ME) is $1,610 a month. That is up 24.8% from $1,290 in FY 2026. Winterport is in the Waldo 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 $1,367. Among 21 ZIP codes in Waldo County, 04496 has the 5th-highest two-bedroom rent (county range $1,300–$2,130). The median county two-bedroom FMR in Maine is $1,371, so ZIP 04496 is 17% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 04496
BedroomsFY 2027Change90–110% range
Studio$1,230+18.3%$1,107–$1,353
1BR$1,290+24.0%$1,161–$1,419
2BR$1,610+24.8%$1,449–$1,771
3BR$2,130+27.5%$1,917–$2,343
4BR$2,330+28.0%$2,097–$2,563

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 04496
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,230$1,290$1,610$2,130$2,330
FY 2026$1,040$1,040$1,290$1,670$1,820
FY 2025$860$870$1,110$1,440$1,540
FY 2024area FMR$886$892$1,160$1,431$1,606
FY 2023area FMR$891$896$1,142$1,390$1,694

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

Two-bedroom rent in nearby Waldo County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 04496
04354$1,380−14.3%
04358$1,370−14.9%
04438$1,530−5.0%
04496Current$1,610—
04848$1,300−19.3%
04849$1,830+13.7%
04850$1,370−14.9%
04915$1,320−18.0%
04921$1,360−15.5%
04922$1,420−11.8%
04932$2,130+32.3%
04941$1,300−19.3%

Questions about ZIP 04496 rents

How much will Section 8 pay for a two-bedroom in ZIP 04496?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,367, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,230 to $1,504 a month; under the ZIP-level Small Area FMR of $1,610 it would be $1,449 to $1,771. 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 04496 in?

ZIP 04496 is in the Waldo County, ME non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,367.

How much did fair market rent change in ZIP 04496 for FY 2027?

The two-bedroom FMR rose 24.8%, from $1,290 in FY 2026 to $1,610 in FY 2027. Since FY 2025 it has risen 45.0%.

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