FY2027 Small Area FMR · Sebasco Estates, ME

ZIP 04565 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04565 (Sebasco Estates, ME) is $1,660 a month, up 5.1% from FY2026. That is 0% equal to the Sagadahoc County, ME area-wide FMR of $1,659.

2-bedroom SAFMR$1,660per month ▲ 5.1%

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

Rank in the area8thof 13 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,494

2 BR Small Area FMR$1,660

110% of SAFMR$1,826

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

Studio$1,160▲ 4.5%

1 BR$1,330▲ 4.7%

2 BR$1,660▲ 5.1%

3 BR$2,300▲ 4.5%

4 BR$2,770▲ 4.5%

FY2027 FY2026

Where 04565 sits in the Sagadahoc County, ME area

Of the 13 ZIP codes HUD lists for the area, 04565 has the 8th 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 $1,660 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	$1,160	$1,044 – $1,276	$1,157	$1,110
1 bedroom	$1,330	$1,197 – $1,463	$1,332	$1,270
2 bedrooms	$1,660	$1,494 – $1,826	$1,659	$1,580
3 bedrooms	$2,300	$2,070 – $2,530	$2,297	$2,200
4 bedrooms	$2,770	$2,493 – $3,047	$2,773	$2,650

A household renting a two-bedroom home at the Small Area FMR of $1,660 needs about $66,400 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 04565 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
04562	Phippsburg	2.2 mi	$1,630
04066	Orrs Island	5.2 mi	$1,890
04079	Harpswell	5.9 mi	$1,930
04003	Bailey Island	6.0 mi	$2,110
04548	Georgetown	7.1 mi	$1,700
04530	Bath	8.1 mi	$1,540

Questions

What is the Fair Market Rent for ZIP code 04565?

HUD's FY2027 Small Area Fair Market Rents for 04565 are $1,160 (studio), $1,330 (1 BR), $1,660 (2 BR), $2,300 (3 BR) and $2,770 (4 BR) a month.

What is the Section 8 payment standard in 04565?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04565 that range is $1,494 to $1,826 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 04565?

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.