FY2027 Small Area FMR · Harpswell, ME

ZIP 04079 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04079 (Harpswell, ME) is $1,930 a month, up 3.8% from FY2026. That is 1% below the Cumberland County, ME (part) area-wide FMR of $1,941.

2-bedroom SAFMR$1,930per month ▲ 3.8%

Area-wide 2 BR FMR$1,941Cumberland County, ME (part)

Rank in the area11thof 19 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,737

2 BR Small Area FMR$1,930

110% of SAFMR$2,123

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$1,540▲ 20.3%

1 BR$1,550▲ 9.2%

2 BR$1,930▲ 3.8%

3 BR$2,410■ 0.0%

4 BR$3,230▲ 4.9%

FY2027 FY2026

Where 04079 sits in the Cumberland County, ME (part) area

Of the 19 ZIP codes HUD lists for the area, 04079 has the 11th highest two-bedroom Small Area FMR. Cumberland County, ME (part) is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $1,941 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,930 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,540	$1,386 – $1,694	$1,545	$1,280
1 bedroom	$1,550	$1,395 – $1,705	$1,561	$1,420
2 bedrooms	$1,930	$1,737 – $2,123	$1,941	$1,860
3 bedrooms	$2,410	$2,169 – $2,651	$2,425	$2,410
4 bedrooms	$3,230	$2,907 – $3,553	$3,244	$3,080

A household renting a two-bedroom home at the Small Area FMR of $1,930 needs about $77,200 a year to keep housing costs at 30% of income. The area median family income is $110,800 and the 80% low-income limit for four people is $88,650. ZIP code 04079 lies mainly in Cumberland County. See the Cumberland County, ME (part) county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
04066	Orrs Island	1.9 mi	$1,890
04003	Bailey Island	4.1 mi	$2,110
04032	Freeport	6.6 mi	$2,270
04017	Chebeague Island	6.9 mi	$3,140
04011	Brunswick	7.2 mi	$2,020
04562	Phippsburg	8.1 mi	$1,630

Questions

What is the Fair Market Rent for ZIP code 04079?

HUD's FY2027 Small Area Fair Market Rents for 04079 are $1,540 (studio), $1,550 (1 BR), $1,930 (2 BR), $2,410 (3 BR) and $3,230 (4 BR) a month.

What is the Section 8 payment standard in 04079?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04079 that range is $1,737 to $2,123 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 04079?

The FY2026 income limits of the Cumberland County, ME (part) area apply: median family income $110,800, low-income (80%) limit $88,650 for a family of four.