FY2027 Fair Market Rent · Maine
Cumberland County Fair Market Rent & Income Limits
HUD's FY2027 Fair Market Rent for a two-bedroom home in Cumberland County, ME is $2,353 a month, up 10.5% from FY2026. The area median family income is $139,100, and a family of four counts as low income up to $106,800 a year.
Fair Market Rent by unit size
FY2027 FY2026
Fair Market Rents are gross rents: rent plus the cost of all utilities except phone, cable and internet.
Check your household
Enter your household size and total yearly income before taxes to see which HUD income category it falls in for Cumberland County, ME.
Low income (80% limit)
A household of 4 earning $104,800 is under the 80% limit of $106,800 for this area. At 30% of income it could pay about $2,620 a month for rent and utilities.
This is a quick comparison with HUD's published limits, not an eligibility decision. Programs count income in their own ways and many have waiting lists; the local housing agency or property decides.
Income limits in Cumberland County
HUD's FY2026 income limits for Portland, ME are based on a median family income of $139,100. Programs such as Housing Choice Vouchers, public housing and HOME use the 30%, 50% and 80% columns; Low-Income Housing Tax Credit properties use the 50% and 60% Multifamily Tax Subsidy Project limits.
| People | Extremely low30% / poverty | Very low50% | 60% (LIHTC)MTSP | Low income80% |
|---|---|---|---|---|
| 1 | $29,250 | $48,700 | $58,440 | $74,800 |
| 2 | $33,400 | $55,650 | $66,780 | $85,450 |
| 3 | $37,600 | $62,600 | $75,120 | $96,150 |
| 4 | $41,750 | $69,550 | $83,460 | $106,800 |
| 5 | $45,100 | $75,150 | $90,180 | $115,350 |
| 6 | $48,450 | $80,700 | $96,840 | $123,900 |
| 7 | $51,800 | $86,250 | $103,500 | $132,450 |
| 8 | $55,720 | $91,850 | $110,220 | $141,000 |
HERA Special area. Tax-credit properties placed in service before 2009 may use HUD's higher HERA hold-harmless 60% limits here: $84,180 for four people, against the regular $83,460.
Rent history
Since FY2017 the two-bedroom FMR here has gone from $1,301 to $2,353, up 80.9% over ten years. HUD has published a two-bedroom FMR for this area since FY1983, when it was $434.
What it takes to afford the rent
To keep a two-bedroom rent of $2,353 at no more than 30% of income, the usual affordability rule, a household needs about $94,100 a year. That is 68% of the area median family income of $139,100, so a typical family can afford it with room to spare.
| Unit | FY2027 | FY2026 | FY2025 | Income to affordat 30% |
|---|---|---|---|---|
| Studio | $1,639 | $1,469 | $1,379 | $65,600 |
| 1 bedroom | $1,864 | $1,658 | $1,563 | $74,600 |
| 2 bedrooms | $2,353 | $2,130 | $2,011 | $94,100 |
| 3 bedrooms | $2,902 | $2,591 | $2,464 | $116,100 |
| 4 bedrooms | $3,092 | $2,820 | $2,763 | $123,700 |
Fair Market Rents by town in Cumberland County
In New England HUD sets Fair Market Rents and income limits by town, not by county. The 28 towns of Cumberland County fall into 2 HUD areas; the figures at the top of this page are for Portland, ME, the area with the most residents. Find your town below.
| HUD area | 2 BR FMR | Median income | Towns |
|---|---|---|---|
| Portland, ME | $2,353 | $139,100 | Cape Elizabeth, Casco, Chebeague Island, Cumberland, Falmouth, Freeport, Frye Island, Gorham, Gray, Long Island, North Yarmouth, Portland, Raymond, Scarborough, South Portland, Standish, Westbrook, Windham, Yarmouth |
| Cumberland County, ME (part) | $1,941 | $110,800 | Baldwin, Bridgton, Brunswick, Harpswell, Harrison, Naples, New Gloucester, Pownal, Sebago |
How Cumberland County compares
Cumberland County is part of the Portland, ME HUD Metro FMR Area, together with York County. HUD publishes one Fair Market Rent and one set of income limits for the whole area, so the numbers on this page apply in every county of it.
Cumberland County has the 1st highest two-bedroom Fair Market Rent of the 16 counties in Maine; the population-weighted average across Maine is $1,708 and the nationwide average is $1,751.
Small Area FMRs by ZIP code
HUD also publishes Small Area Fair Market Rents for each ZIP code. In Cumberland County the two-bedroom figure ranges from $1,650 to $3,440 across 48 ZIP codes, against the area-wide $2,353. This area is not on HUD's list of mandatory Small Area FMR areas, so most agencies here use the area-wide FMR; an agency may still opt in to ZIP-level rents.
| ZIP | Place | 2 BR SAFMR | 110% payment std. |
|---|---|---|---|
| 04050 | Long Island | $3,440 | $3,784 |
| 04107 | Cape Elizabeth | $3,360 | $3,696 |
| 04019 | Cliff Island | $3,250 | $3,575 |
| 04105 | Falmouth | $3,200 | $3,520 |
| 04017 | Chebeague Island | $3,140 | $3,454 |
| 04021 | Cumberland Center | $2,990 | $3,289 |
| 04110 | Cumberland Foreside | $2,870 | $3,157 |
| 04074 | Scarborough | $2,660 | $2,926 |
| 04106 | South Portland | $2,640 | $2,904 |
| 04109 | Portland | $2,640 | $2,904 |
| 04055 | Naples | $2,560 | $2,816 |
| 04096 | Yarmouth | $2,510 | $2,761 |
| 04101 | Portland | $2,420 | $2,662 |
| 04085 | Steep Falls | $2,400 | $2,640 |
| 04097 | North Yarmouth | $2,400 | $2,640 |
| 04103 | Portland | $2,380 | $2,618 |
| 04013 | Bustins Island | $2,340 | $2,574 |
| 04033 | Freeport | $2,340 | $2,574 |
| 04070 | Scarborough | $2,340 | $2,574 |
| 04077 | South Casco | $2,340 | $2,574 |
| 04078 | South Freeport | $2,340 | $2,574 |
| 04082 | South Windham | $2,340 | $2,574 |
| 04098 | Westbrook | $2,340 | $2,574 |
| 04102 | Portland | $2,340 | $2,574 |
| 04104 | Portland | $2,340 | $2,574 |
| 04112 | Portland | $2,340 | $2,574 |
| 04116 | South Portland | $2,340 | $2,574 |
| 04032 | Freeport | $2,270 | $2,497 |
| 04108 | Peaks Island | $2,270 | $2,497 |
| 04069 | Pownal | $2,230 | $2,453 |
| 04038 | Gorham | $2,210 | $2,431 |
| 04092 | Westbrook | $2,190 | $2,409 |
| 04084 | Standish | $2,160 | $2,376 |
| 04003 | Bailey Island | $2,110 | $2,321 |
| 04039 | Gray | $2,100 | $2,310 |
| 04024 | East Baldwin | $2,100 | $2,310 |
| 04071 | Raymond | $2,060 | $2,266 |
| 04011 | Brunswick | $2,020 | $2,222 |
| 04029 | Sebago | $1,980 | $2,178 |
| 04062 | Windham | $1,960 | $2,156 |
| 04079 | Harpswell | $1,930 | $2,123 |
| 04015 | Casco | $1,920 | $2,112 |
| 04066 | Orrs Island | $1,890 | $2,079 |
| 04260 | New Gloucester | $1,880 | $2,068 |
| 04091 | West Baldwin | $1,700 | $1,870 |
| 04009 | Bridgton | $1,690 | $1,859 |
| 04057 | North Bridgton | $1,690 | $1,859 |
| 04040 | Harrison | $1,650 | $1,815 |
Questions
What is the Fair Market Rent in Cumberland County, ME for 2027?
For FY2027 (October 1, 2026 to September 30, 2027) HUD's Fair Market Rents in Cumberland County, ME are $1,639 for a studio, $1,864 for one bedroom, $2,353 for two bedrooms, $2,902 for three and $3,092 for four bedrooms, per month including utilities.
What is the area median income in Cumberland County, ME?
HUD's FY2026 median family income for the area is $139,100, up 7.2% from $129,800 in FY2025.
What is 80% of AMI in Cumberland County, ME for a family of 4?
The FY2026 low-income limit (80%) for a household of four is $106,800 a year. The very low-income limit (50%) is $69,550 and the extremely low-income limit is $41,750.
What is the 60% AMI limit for tax credit housing in Cumberland County, ME?
Under HUD's FY2026 Multifamily Tax Subsidy Project limits, the 60% limit is $58,440 for one person and $83,460 for four. Some older tax-credit properties here use higher HERA hold-harmless limits.
Is the Fair Market Rent the same as the Section 8 payment standard?
No. Housing agencies set their payment standard between 90% and 110% of the FMR (for a two-bedroom here: $2,118 to $2,588), and can ask HUD for exceptions. Check the payment standard with your local housing agency.