FY2027 Small Area FMR · Milford, ME

ZIP 04461 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04461 (Milford, ME) is $1,540 a month, down 4.3% from FY2026. That is 11% below the Bangor, ME area-wide FMR of $1,722.

2-bedroom SAFMR$1,540per month ▼ 4.3%

Area-wide 2 BR FMR$1,722Bangor, ME

Rank in the area14thof 17 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,386

2 BR Small Area FMR$1,540

110% of SAFMR$1,694

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

Studio$1,170▼ 3.3%

1 BR$1,230▼ 3.1%

2 BR$1,540▼ 4.3%

3 BR$1,970▼ 4.8%

4 BR$2,230▲ 2.3%

FY2027 FY2026

Where 04461 sits in the Bangor, ME area

Of the 17 ZIP codes HUD lists for the area, 04461 has the 14th highest two-bedroom Small Area FMR. Bangor, 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 $1,722 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,540 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	$1,170	$1,053 – $1,287	$1,305	$1,210
1 bedroom	$1,230	$1,107 – $1,353	$1,380	$1,270
2 bedrooms	$1,540	$1,386 – $1,694	$1,722	$1,610
3 bedrooms	$1,970	$1,773 – $2,167	$2,203	$2,070
4 bedrooms	$2,230	$2,007 – $2,453	$2,495	$2,180

A household renting a two-bedroom home at the Small Area FMR of $1,540 needs about $61,600 a year to keep housing costs at 30% of income. The area median family income is $106,500 and the 80% low-income limit for four people is $85,200. ZIP code 04461 lies mainly in Penobscot County. See the Bangor, ME county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
04469	Orono	5.6 mi	$1,870
04411	Bradley	6.0 mi	$1,810
04489	Stillwater	6.1 mi	$2,350
04468	Old Town	8.9 mi	$1,760
04473	Orono	9.2 mi	$1,920
04428	Eddington	10.4 mi	$1,830

Questions

What is the Fair Market Rent for ZIP code 04461?

HUD's FY2027 Small Area Fair Market Rents for 04461 are $1,170 (studio), $1,230 (1 BR), $1,540 (2 BR), $1,970 (3 BR) and $2,230 (4 BR) a month.

What is the Section 8 payment standard in 04461?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04461 that range is $1,386 to $1,694 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 04461?

The FY2026 income limits of the Bangor, ME area apply: median family income $106,500, low-income (80%) limit $85,200 for a family of four.