FY2027 Small Area FMR · Vinalhaven, ME

ZIP 04863 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04863 (Vinalhaven, ME) is $1,400 a month, down 4.1% from FY2026. That is 7% below the Knox County, ME area-wide FMR of $1,503.

2-bedroom SAFMR$1,400per month ▼ 4.1%

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

Rank in the area17thof 22 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,260

2 BR Small Area FMR$1,400

110% of SAFMR$1,540

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

Studio$1,110▼ 5.1%

1 BR$1,150▼ 5.0%

2 BR$1,400▼ 4.1%

3 BR$1,830▼ 0.5%

4 BR$1,880▼ 5.5%

FY2027 FY2026

Where 04863 sits in the Knox County, ME area

Of the 22 ZIP codes HUD lists for the area, 04863 has the 17th 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 $1,400 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	$1,101	$1,170
1 bedroom	$1,150	$1,035 – $1,265	$1,236	$1,210
2 bedrooms	$1,400	$1,260 – $1,540	$1,503	$1,460
3 bedrooms	$1,830	$1,647 – $2,013	$1,968	$1,840
4 bedrooms	$1,880	$1,692 – $2,068	$1,975	$1,990

A household renting a two-bedroom home at the Small Area FMR of $1,400 needs about $56,000 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 04863 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
04853	North Haven	4.7 mi	$1,910
04854	Owls Head	11.2 mi	$1,770
04683	Sunset	11.6 mi	$1,640
04681	Stonington	11.8 mi	$1,360
04645	Isle Au Haut	11.8 mi	$1,380
04851	Matinicus	14.4 mi	$1,500

Questions

What is the Fair Market Rent for ZIP code 04863?

HUD's FY2027 Small Area Fair Market Rents for 04863 are $1,110 (studio), $1,150 (1 BR), $1,400 (2 BR), $1,830 (3 BR) and $1,880 (4 BR) a month.

What is the Section 8 payment standard in 04863?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04863 that range is $1,260 to $1,540 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 04863?

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.