FY2027 Small Area FMR · Southwest Harbor, ME

ZIP 04679 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04679 (Southwest Harbor, ME) is $1,360 a month, up 2.3% from FY2026. That is 8% below the Hancock County, ME area-wide FMR of $1,484.

2-bedroom SAFMR$1,360per month ▲ 2.3%

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

Rank in the area41stof 46 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,224

2 BR Small Area FMR$1,360

110% of SAFMR$1,496

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

Studio$1,110▲ 1.8%

1 BR$1,120▲ 2.8%

2 BR$1,360▲ 2.3%

3 BR$1,850▲ 2.2%

4 BR$1,880▲ 3.3%

FY2027 FY2026

Where 04679 sits in the Hancock County, ME area

Of the 46 ZIP codes HUD lists for the area, 04679 has the 41st 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 $1,360 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	$1,110	$999 – $1,221	$1,163	$1,090
1 bedroom	$1,120	$1,008 – $1,232	$1,171	$1,090
2 bedrooms	$1,360	$1,224 – $1,496	$1,484	$1,330
3 bedrooms	$1,850	$1,665 – $2,035	$2,050	$1,810
4 bedrooms	$1,880	$1,692 – $2,068	$2,198	$1,820

A household renting a two-bedroom home at the Small Area FMR of $1,360 needs about $54,400 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 04679 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
04662	Northeast Harbor	2.2 mi	$1,770
04625	Cranberry Isles	3.3 mi	$1,430
04675	Seal Harbor	3.9 mi	$1,630
04660	Mount Desert	4.1 mi	$1,560
04646	Islesford	5.0 mi	$1,480
04653	Bass Harbor	5.3 mi	$2,140

Questions

What is the Fair Market Rent for ZIP code 04679?

HUD's FY2027 Small Area Fair Market Rents for 04679 are $1,110 (studio), $1,120 (1 BR), $1,360 (2 BR), $1,850 (3 BR) and $1,880 (4 BR) a month.

What is the Section 8 payment standard in 04679?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04679 that range is $1,224 to $1,496 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 04679?

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.