FY2027 Small Area FMR · Owls Head, ME

ZIP 04854 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04854 (Owls Head, ME) is $1,770 a month, up 2.3% from FY2026. That is 18% above the Knox County, ME area-wide FMR of $1,503.

2-bedroom SAFMR$1,770per month ▲ 2.3%

Area-wide 2 BR FMR$1,503Knox County, ME

Rank in the area7thof 22 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,593

2 BR Small Area FMR$1,770

110% of SAFMR$1,947

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

Studio$1,260▼ 9.4%

1 BR$1,460▲ 1.4%

2 BR$1,770▲ 2.3%

3 BR$2,320▲ 5.9%

4 BR$2,330▼ 1.3%

FY2027 FY2026

Where 04854 sits in the Knox County, ME area

Of the 22 ZIP codes HUD lists for the area, 04854 has the 7th highest two-bedroom Small Area FMR. Knox 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 $1,503 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,770 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	$1,260	$1,134 – $1,386	$1,101	$1,390
1 bedroom	$1,460	$1,314 – $1,606	$1,236	$1,440
2 bedrooms	$1,770	$1,593 – $1,947	$1,503	$1,730
3 bedrooms	$2,320	$2,088 – $2,552	$1,968	$2,190
4 bedrooms	$2,330	$2,097 – $2,563	$1,975	$2,360

A household renting a two-bedroom home at the Small Area FMR of $1,770 needs about $70,800 a year to keep housing costs at 30% of income. The area median family income is $98,300 and the 80% low-income limit for four people is $78,650. ZIP code 04854 lies mainly in Knox County. See the Knox County, ME county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
04858	South Thomaston	4.2 mi	$1,930
04841	Rockland	4.8 mi	$1,380
04861	Thomaston	5.1 mi	$1,470
04859	Spruce Head	6.1 mi	$1,970
04856	Rockport	7.6 mi	$1,840
04864	Warren	8.9 mi	$1,410

Questions

What is the Fair Market Rent for ZIP code 04854?

HUD's FY2027 Small Area Fair Market Rents for 04854 are $1,260 (studio), $1,460 (1 BR), $1,770 (2 BR), $2,320 (3 BR) and $2,330 (4 BR) a month.

What is the Section 8 payment standard in 04854?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04854 that range is $1,593 to $1,947 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 04854?

The FY2026 income limits of the Knox County, ME area apply: median family income $98,300, low-income (80%) limit $78,650 for a family of four.