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Washington County/East Machias/04630

04630

ZIPSAFMR
Washington County, ME
Zillow

ZIP Investment Score

121Above average

095130300
BRFMR
Eff. Rent
0 BR$1,210$1,210
1 BR$1,240$1,240
2 BR$1,600$1,600
3 BR$2,210$2,210
4 BR$2,460$2,460
5 BR$2,829Not available
6 BR$3,253Not available
7 BR$3,741Not available
8 BR$4,303Not available

Purchase Price Calculator

Maximum purchase price
$175,843

Cost breakdown

+Likely effective rent$1,600
HUD FMRUsed$1,600
Market rentN/A
Est. payment standardN/A
-Principal and interest-$889
Loan amount$140,674
Down payment$35,169
Rate6.50%
Term30 years
-Operating costs-$511
Property taxes-$176
Insurance-$175
Utilities$0
HOA$0
Management-$160
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,761(73.2% ROI)
Projected value
$189,364
Return breakdown
Property appreciation+$13,521
Loan principal paid down+$5,040
Rental cash flow+$7,200
5-year hold
+$44,095(125.4% ROI)
Projected value
$198,950
Return breakdown
Property appreciation+$23,107
Loan principal paid down+$8,988
Rental cash flow+$12,000
10-year hold
+$94,667(269.2% ROI)
Projected value
$225,094
Return breakdown
Property appreciation+$49,251
Loan principal paid down+$21,416
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 04630 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 04630 (East Machias, ME) is $1,600 a month. That is down 9.1% from $1,760 in FY 2026. East Machias is in the Washington 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 $1,230. Among 32 ZIP codes in Washington County, 04630 has the 3rd-highest two-bedroom rent (county range $1,130–$1,850). The median county two-bedroom FMR in Maine is $1,371, so ZIP 04630 is 17% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 04630
BedroomsFY 2027Change90–110% range
Studio$1,2100.0%$1,089–$1,331
1BR$1,240−7.5%$1,116–$1,364
2BR$1,600−9.1%$1,440–$1,760
3BR$2,210−9.8%$1,989–$2,431
4BR$2,460−9.9%$2,214–$2,706

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 04630
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,210$1,240$1,600$2,210$2,460
FY 2026$1,210$1,340$1,760$2,450$2,730
FY 2025$950$1,060$1,390$1,950$2,090
FY 2024area FMR$669$751$987$1,371$1,453
FY 2023area FMR$651$675$889$1,181$1,271

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

Two-bedroom rent in nearby Washington County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 04630
04611$1,130−29.4%
04619$1,180−26.2%
04622$1,360−15.0%
04623$1,230−23.1%
04626$1,230−23.1%
04628$1,380−13.8%
04630Current$1,600—
04631$1,140−28.7%
04637$1,230−23.1%
04643$1,490−6.9%
04648$1,480−7.5%
04649$1,310−18.1%

Questions about ZIP 04630 rents

How much will Section 8 pay for a two-bedroom in ZIP 04630?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,230, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,107 to $1,353 a month; under the ZIP-level Small Area FMR of $1,600 it would be $1,440 to $1,760. 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 04630 in?

ZIP 04630 is in the Washington County, ME non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,230.

How much did fair market rent change in ZIP 04630 for FY 2027?

The two-bedroom FMR fell 9.1%, from $1,760 in FY 2026 to $1,600 in FY 2027. Since FY 2025 it has risen 15.1%.

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