FY2027 Small Area FMR · Harborside, ME

ZIP 04642 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04642 (Harborside, ME) is $1,730 a month, down 3.4% from FY2026. That is 17% above the Hancock County, ME area-wide FMR of $1,484.

2-bedroom SAFMR$1,730per month ▼ 3.4%

Area-wide 2 BR FMR$1,484Hancock County, ME

Rank in the area8thof 46 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,557

2 BR Small Area FMR$1,730

110% of SAFMR$1,903

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

Studio$1,360▼ 6.8%

1 BR$1,360▼ 7.5%

2 BR$1,730▼ 3.4%

3 BR$2,390▼ 2.0%

4 BR$2,560▲ 4.5%

FY2027 FY2026

Where 04642 sits in the Hancock County, ME area

Of the 46 ZIP codes HUD lists for the area, 04642 has the 8th highest two-bedroom Small Area FMR. Hancock 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 $1,484 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,730 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	$1,360	$1,224 – $1,496	$1,163	$1,460
1 bedroom	$1,360	$1,224 – $1,496	$1,171	$1,470
2 bedrooms	$1,730	$1,557 – $1,903	$1,484	$1,790
3 bedrooms	$2,390	$2,151 – $2,629	$2,050	$2,440
4 bedrooms	$2,560	$2,304 – $2,816	$2,198	$2,450

A household renting a two-bedroom home at the Small Area FMR of $1,730 needs about $69,200 a year to keep housing costs at 30% of income. The area median family income is $101,200 and the 80% low-income limit for four people is $80,950. ZIP code 04642 lies mainly in Hancock County. See the Hancock County, ME county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
04617	Brooksville	2.9 mi	$1,600
04650	Little Deer Isle	5.0 mi	$1,480
04421	Castine	5.4 mi	$1,430
04848	Islesboro	5.6 mi	$1,300
04673	Sargentville	6.6 mi	$1,480
04683	Sunset	7.0 mi	$1,640

Questions

What is the Fair Market Rent for ZIP code 04642?

HUD's FY2027 Small Area Fair Market Rents for 04642 are $1,360 (studio), $1,360 (1 BR), $1,730 (2 BR), $2,390 (3 BR) and $2,560 (4 BR) a month.

What is the Section 8 payment standard in 04642?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04642 that range is $1,557 to $1,903 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 04642?

The FY2026 income limits of the Hancock County, ME area apply: median family income $101,200, low-income (80%) limit $80,950 for a family of four.