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Washington County/Pembroke/04666

04666

ZIPSAFMR
Washington County, ME
Zillow

ZIP Investment Score

110Above average

095130300
BRFMR
Eff. Rent
0 BR$1,080$1,080
1 BR$1,110$1,110
2 BR$1,430$1,430
3 BR$1,900$1,900
4 BR$2,190$2,190
5 BR$2,519Not available
6 BR$2,896Not available
7 BR$3,331Not available
8 BR$3,830Not available

Purchase Price Calculator

Maximum purchase price
$150,581

Cost breakdown

+Likely effective rent$1,430
HUD FMRUsed$1,430
Market rentN/A
Est. payment standardN/A
-Principal and interest-$761
Loan amount$120,465
Down payment$30,116
Rate6.50%
Term30 years
-Operating costs-$469
Property taxes-$151
Insurance-$175
Utilities$0
HOA$0
Management-$143
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,094(76.7% ROI)
Projected value
$162,159
Return breakdown
Property appreciation+$11,578
Loan principal paid down+$4,316
Rental cash flow+$7,200
5-year hold
+$39,484(131.1% ROI)
Projected value
$170,368
Return breakdown
Property appreciation+$19,788
Loan principal paid down+$7,697
Rental cash flow+$12,000
10-year hold
+$84,515(280.6% ROI)
Projected value
$192,756
Return breakdown
Property appreciation+$42,175
Loan principal paid down+$18,339
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 04666 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 04666 (Pembroke, ME) is $1,430 a month. That is unchanged from FY 2026. Pembroke 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, 04666 has the 8th-highest two-bedroom rent (county range $1,130–$1,850). The median county two-bedroom FMR in Maine is $1,371, so ZIP 04666 is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 04666
BedroomsFY 2027Change90–110% range
Studio$1,080+9.1%$972–$1,188
1BR$1,110+1.8%$999–$1,221
2BR$1,4300.0%$1,287–$1,573
3BR$1,900−4.5%$1,710–$2,090
4BR$2,190−1.4%$1,971–$2,409

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 04666
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,080$1,110$1,430$1,900$2,190
FY 2026$990$1,090$1,430$1,990$2,220
FY 2025$840$930$1,220$1,710$1,830
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. 04666
04648$1,480+3.5%
04649$1,310−8.4%
04652$1,350−5.6%
04654$1,130−21.0%
04655$1,380−3.5%
04657$1,470+2.8%
04658$1,200−16.1%
04666Current$1,430—
04667$1,680+17.5%
04668$1,300−9.1%
04671$1,850+29.4%
04680$1,250−12.6%

Questions about ZIP 04666 rents

How much will Section 8 pay for a two-bedroom in ZIP 04666?

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 $1,430 it would be $1,287 to $1,573. 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 04666 in?

ZIP 04666 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 04666 for FY 2027?

The two-bedroom FMR was unchanged at $1,430 in FY 2027. Since FY 2025 it has risen 17.2%.

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