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Penobscot County/Dixmont/04932

04932

ZIPSAFMR
Penobscot County, ME
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$1,480$1,480
1 BR$1,630$1,630
2 BR$2,130$2,130
3 BR$2,900$2,900
4 BR$2,980$2,980
5 BR$3,427Not available
6 BR$3,941Not available
7 BR$4,532Not available
8 BR$5,212Not available

Purchase Price Calculator

Maximum purchase price
$254,601

Cost breakdown

+Likely effective rent$2,130
HUD FMRUsed$2,130
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,287
Loan amount$203,681
Down payment$50,920
Rate6.50%
Term30 years
-Operating costs-$643
Property taxes-$255
Insurance-$175
Utilities$0
HOA$0
Management-$213
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,074(66.9% ROI)
Projected value
$274,177
Return breakdown
Property appreciation+$19,576
Loan principal paid down+$7,297
Rental cash flow+$7,200
5-year hold
+$58,470(114.8% ROI)
Projected value
$288,057
Return breakdown
Property appreciation+$33,457
Loan principal paid down+$13,013
Rental cash flow+$12,000
10-year hold
+$126,318(248.1% ROI)
Projected value
$325,910
Return breakdown
Property appreciation+$71,310
Loan principal paid down+$31,008
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 04932 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 04932 (Dixmont, ME) is $2,130 a month. That is up 10.4% from $1,930 in FY 2026. Dixmont 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, 04932 has the 3rd-highest two-bedroom rent (county range $1,260–$2,350). The median county two-bedroom FMR in Maine is $1,371, so ZIP 04932 is 55% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 04932
BedroomsFY 2027Change90–110% range
Studio$1,480+8.8%$1,332–$1,628
1BR$1,630+10.9%$1,467–$1,793
2BR$2,130+10.4%$1,917–$2,343
3BR$2,900+16.5%$2,610–$3,190
4BR$2,980+6.8%$2,682–$3,278

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 04932
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,480$1,630$2,130$2,900$2,980
FY 2026$1,360$1,470$1,930$2,490$2,790
FY 2025$1,110$1,170$1,530$1,930$2,280
FY 2024$910$970$1,280$1,590$1,790
FY 2023$820$850$1,120$1,410$1,500

Two-bedroom rent in nearby Penobscot County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 04932
04497$1,260−40.8%
04733$1,260−40.8%
04765$1,260−40.8%
04777$1,780−16.4%
04921$1,360−36.2%
04928$1,840−13.6%
04930$1,520−28.6%
04932Current$2,130—
04933$1,780−16.4%
04939$1,640−23.0%
04953$1,490−30.0%
04969$1,600−24.9%

Questions about ZIP 04932 rents

How much will Section 8 pay for a two-bedroom in ZIP 04932?

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 $2,130 it would be $1,917 to $2,343. 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 04932 in?

ZIP 04932 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 04932 for FY 2027?

The two-bedroom FMR rose 10.4%, from $1,930 in FY 2026 to $2,130 in FY 2027. Since FY 2023 it has risen 90.2%.

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