FY2027 Small Area FMR · Gardiner, ME
ZIP 04345 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04345 (Gardiner, ME) is $1,420 a month, unchanged from FY2026. That is 14% below the Sagadahoc County, ME area-wide FMR of $1,659.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 04345 sits in the Sagadahoc County, ME area
Of the 13 ZIP codes HUD lists for the area, 04345 has the 13th 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 $1,420 for this ZIP code instead.
ZIP code 04345 crosses more than one HUD area. HUD also lists it under Kennebec County, ME (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,060 | $954 – $1,166 | $1,157 | $1,090 |
| 1 bedroom | $1,140 | $1,026 – $1,254 | $1,332 | $1,090 |
| 2 bedrooms | $1,420 | $1,278 – $1,562 | $1,659 | $1,420 |
| 3 bedrooms | $1,980 | $1,782 – $2,178 | $2,297 | $1,820 |
| 4 bedrooms | $2,390 | $2,151 – $2,629 | $2,773 | $2,170 |
A household renting a two-bedroom home at the Small Area FMR of $1,420 needs about $56,800 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 04345 lies mainly in Kennebec County. See the Sagadahoc County, ME county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 04345?
HUD's FY2027 Small Area Fair Market Rents for 04345 are $1,060 (studio), $1,140 (1 BR), $1,420 (2 BR), $1,980 (3 BR) and $2,390 (4 BR) a month.
What is the Section 8 payment standard in 04345?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04345 that range is $1,278 to $1,562 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 04345?
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.