FY2027 Small Area FMR · Westbrook, ME

ZIP 04098 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04098 (Westbrook, ME) is $2,340 a month, up 10.4% from FY2026. That is 1% below the Portland, ME area-wide FMR of $2,353.

2-bedroom SAFMR$2,340per month ▲ 10.4%

Area-wide 2 BR FMR$2,353Portland, ME

Rank in the area16thof 45 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,106

2 BR Small Area FMR$2,340

110% of SAFMR$2,574

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

Studio$1,630▲ 11.6%

1 BR$1,850▲ 12.1%

2 BR$2,340▲ 10.4%

3 BR$2,890▲ 12.0%

4 BR$3,080▲ 9.6%

FY2027 FY2026

Where 04098 sits in the Portland, ME area

Of the 45 ZIP codes HUD lists for the area, 04098 has the 16th highest two-bedroom Small Area FMR. Portland, 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 $2,353 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,340 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	$1,630	$1,467 – $1,793	$1,639	$1,460
1 bedroom	$1,850	$1,665 – $2,035	$1,864	$1,650
2 bedrooms	$2,340	$2,106 – $2,574	$2,353	$2,120
3 bedrooms	$2,890	$2,601 – $3,179	$2,902	$2,580
4 bedrooms	$3,080	$2,772 – $3,388	$3,092	$2,810

A household renting a two-bedroom home at the Small Area FMR of $2,340 needs about $93,600 a year to keep housing costs at 30% of income. The area median family income is $139,100 and the 80% low-income limit for four people is $106,800. ZIP code 04098 lies mainly in Cumberland County. See the Portland, ME metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
04092	Westbrook	2.3 mi	$2,190
04102	Portland	4.0 mi	$2,340
04103	Portland	4.3 mi	$2,380
04038	Gorham	4.9 mi	$2,210
04106	South Portland	5.3 mi	$2,640
04101	Portland	5.7 mi	$2,420

Questions

What is the Fair Market Rent for ZIP code 04098?

HUD's FY2027 Small Area Fair Market Rents for 04098 are $1,630 (studio), $1,850 (1 BR), $2,340 (2 BR), $2,890 (3 BR) and $3,080 (4 BR) a month.

What is the Section 8 payment standard in 04098?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04098 that range is $2,106 to $2,574 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 04098?

The FY2026 income limits of the Portland, ME area apply: median family income $139,100, low-income (80%) limit $106,800 for a family of four.