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Hancock County/Surry/04684

04684

ZIPSAFMR
Hancock County, ME
Zillow

ZIP Investment Score

62Below average

095130300
BRFMR
Eff. Rent
0 BR$1,160$1,280
1 BR$1,170$1,290
2 BR$1,480$1,630
3 BR$2,050$1,880
4 BR$2,200$1,810
5 BR$2,530Not available
6 BR$2,909Not available
7 BR$3,346Not available
8 BR$3,848Not available

Purchase Price Calculator

Maximum purchase price
$180,301

Cost breakdown

+Likely effective rent$1,630
HUD FMR$1,480
Market rent$1,860
Est. payment standard (110%)Used$1,630
-Principal and interest-$912
Loan amount$144,241
Down payment$36,060
Rate6.50%
Term30 years
-Operating costs-$518
Property taxes-$180
Insurance-$175
Utilities$0
HOA$0
Management-$163
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,231(72.7% ROI)
Projected value
$194,164
Return breakdown
Property appreciation+$13,863
Loan principal paid down+$5,168
Rental cash flow+$7,200
5-year hold
+$44,909(124.5% ROI)
Projected value
$203,994
Return breakdown
Property appreciation+$23,693
Loan principal paid down+$9,216
Rental cash flow+$12,000
10-year hold
+$96,458(267.5% ROI)
Projected value
$230,800
Return breakdown
Property appreciation+$50,499
Loan principal paid down+$21,959
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.76
1 BR
0.66
2 BR
0.80
3 BR
1.09
4 BR
1.22
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 04684 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 04684 (Surry, ME) is $1,480 a month. That is down 0.7% from $1,490 in FY 2026. Surry 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, 04684 is tied for the 24th-highest two-bedroom rent (county range $1,360–$2,230). The median county two-bedroom FMR in Maine is $1,371, so ZIP 04684 is 8% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 04684
BedroomsFY 2027Change90–110% range
Studio$1,160−4.9%$1,044–$1,276
1BR$1,170−4.9%$1,053–$1,287
2BR$1,480−0.7%$1,332–$1,628
3BR$2,050+0.5%$1,845–$2,255
4BR$2,200+7.8%$1,980–$2,420

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 04684
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,160$1,170$1,480$2,050$2,200
FY 2026$1,220$1,230$1,490$2,040$2,040
FY 2025$980$980$1,160$1,530$1,540
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. 04684
04672$1,4800.0%
04673$1,4800.0%
04674$1,560+5.4%
04675$1,630+10.1%
04676$1,4800.0%
04677$2,230+50.7%
04679$1,360−8.1%
04681$1,360−8.1%
04683$1,640+10.8%
04684Current$1,480—
04685$1,850+25.0%
04693$1,730+16.9%

Questions about ZIP 04684 rents

How much will Section 8 pay for a two-bedroom in ZIP 04684?

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 $1,480 it would be $1,332 to $1,628. 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 04684 in?

ZIP 04684 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 04684 for FY 2027?

The two-bedroom FMR fell 0.7%, from $1,490 in FY 2026 to $1,480 in FY 2027. Since FY 2025 it has risen 27.6%.

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