FY2027 Small Area FMR · South Gardiner, ME

ZIP 04359 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04359 (South Gardiner, ME) is $1,390 a month, down 2.1% from FY2026. That is 1% above the Kennebec County, ME area-wide FMR of $1,374.

2-bedroom SAFMR$1,390per month ▼ 2.1%

Area-wide 2 BR FMR$1,374Kennebec County, ME

Rank in the area15thof 38 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,251

2 BR Small Area FMR$1,390

110% of SAFMR$1,529

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

Studio$1,060▼ 2.8%

1 BR$1,060▼ 2.8%

2 BR$1,390▼ 2.1%

3 BR$1,790▼ 1.6%

4 BR$2,190▲ 1.4%

FY2027 FY2026

Where 04359 sits in the Kennebec County, ME area

Of the 38 ZIP codes HUD lists for the area, 04359 has the 15th highest two-bedroom Small Area FMR. Kennebec 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 $1,374 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,390 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	$1,060	$954 – $1,166	$1,043	$1,090
1 bedroom	$1,060	$954 – $1,166	$1,050	$1,090
2 bedrooms	$1,390	$1,251 – $1,529	$1,374	$1,420
3 bedrooms	$1,790	$1,611 – $1,969	$1,767	$1,820
4 bedrooms	$2,190	$1,971 – $2,409	$2,167	$2,160

A household renting a two-bedroom home at the Small Area FMR of $1,390 needs about $55,600 a year to keep housing costs at 30% of income. The area median family income is $99,100 and the 80% low-income limit for four people is $76,800. ZIP code 04359 lies mainly in Kennebec County. See the Kennebec County, ME county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
04345	Gardiner	2.0 mi	$1,420
04346	Randolph	4.1 mi	$1,430
04357	Richmond	5.4 mi	$1,570
04342	Dresden	6.5 mi	$1,510
04344	Farmingdale	6.6 mi	$1,280
04353	Whitefield	7.2 mi	$1,280

Questions

What is the Fair Market Rent for ZIP code 04359?

HUD's FY2027 Small Area Fair Market Rents for 04359 are $1,060 (studio), $1,060 (1 BR), $1,390 (2 BR), $1,790 (3 BR) and $2,190 (4 BR) a month.

What is the Section 8 payment standard in 04359?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04359 that range is $1,251 to $1,529 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 04359?

The FY2026 income limits of the Kennebec County, ME area apply: median family income $99,100, low-income (80%) limit $76,800 for a family of four.