FY2027 Small Area FMR · Topsham, ME

ZIP 04086 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04086 (Topsham, ME) is $2,210 a month, up 21.4% from FY2026. That is 33% above the Sagadahoc County, ME area-wide FMR of $1,659.

2-bedroom SAFMR$2,210per month ▲ 21.4%

Area-wide 2 BR FMR$1,659Sagadahoc County, ME

Rank in the area1stof 13 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,989

2 BR Small Area FMR$2,210

110% of SAFMR$2,431

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$1,770▲ 21.2%

2 BR$2,210▲ 21.4%

3 BR$3,060▲ 20.9%

4 BR$3,690▲ 21.0%

FY2027 FY2026

Where 04086 sits in the Sagadahoc County, ME area

Of the 13 ZIP codes HUD lists for the area, 04086 has the 1st highest two-bedroom Small Area FMR. Sagadahoc County, ME 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 $1,659 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,210 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	$1,157	$1,280
1 bedroom	$1,770	$1,593 – $1,947	$1,332	$1,460
2 bedrooms	$2,210	$1,989 – $2,431	$1,659	$1,820
3 bedrooms	$3,060	$2,754 – $3,366	$2,297	$2,530
4 bedrooms	$3,690	$3,321 – $4,059	$2,773	$3,050

A household renting a two-bedroom home at the Small Area FMR of $2,210 needs about $88,400 a year to keep housing costs at 30% of income. The area median family income is $106,400 and the 80% low-income limit for four people is $85,100. ZIP code 04086 lies mainly in Sagadahoc County. See the Sagadahoc County, ME county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
04011	Brunswick	4.8 mi	$2,020
04008	Bowdoinham	7.1 mi	$1,740
04252	Lisbon Falls	7.1 mi	$1,970
04287	Bowdoin	7.5 mi	$1,800
04530	Bath	8.3 mi	$1,540
04222	Durham	8.8 mi	$1,900

Questions

What is the Fair Market Rent for ZIP code 04086?

HUD's FY2027 Small Area Fair Market Rents for 04086 are $1,540 (studio), $1,770 (1 BR), $2,210 (2 BR), $3,060 (3 BR) and $3,690 (4 BR) a month.

What is the Section 8 payment standard in 04086?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04086 that range is $1,989 to $2,431 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 04086?

The FY2026 income limits of the Sagadahoc County, ME area apply: median family income $106,400, low-income (80%) limit $85,100 for a family of four.