FY2027 Small Area FMR · Garland, ME

ZIP 04939 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 04939 (Garland, ME) is $1,640 a month, up 7.2% from FY2026. That is 10% above the Penobscot County, ME (part) area-wide FMR of $1,496.

2-bedroom SAFMR$1,640per month ▲ 7.2%

Area-wide 2 BR FMR$1,496Penobscot County, ME (part)

Rank in the area21stof 42 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,476

2 BR Small Area FMR$1,640

110% of SAFMR$1,804

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

Studio$1,140▲ 5.6%

1 BR$1,250▲ 6.8%

2 BR$1,640▲ 7.2%

3 BR$2,240▲ 13.1%

4 BR$2,300▲ 4.1%

FY2027 FY2026

Where 04939 sits in the Penobscot County, ME (part) area

Of the 42 ZIP codes HUD lists for the area, 04939 has the 21st highest two-bedroom Small Area FMR. Penobscot County, ME (part) 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 $1,496 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,640 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	$1,140	$1,026 – $1,254	$1,042	$1,080
1 bedroom	$1,250	$1,125 – $1,375	$1,144	$1,170
2 bedrooms	$1,640	$1,476 – $1,804	$1,496	$1,530
3 bedrooms	$2,240	$2,016 – $2,464	$2,039	$1,980
4 bedrooms	$2,300	$2,070 – $2,530	$2,096	$2,210

A household renting a two-bedroom home at the Small Area FMR of $1,640 needs about $65,600 a year to keep housing costs at 30% of income. The area median family income is $79,000 and the 80% low-income limit for four people is $73,500. ZIP code 04939 lies mainly in Penobscot County. See the Penobscot County, ME (part) county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
04422	Charleston	6.2 mi	$2,050
04479	Sangerville	7.0 mi	$1,280
04435	Exeter	8.0 mi	$2,080
04930	Dexter	8.6 mi	$1,520
04426	Dover Foxcroft	9.5 mi	$1,370
04427	Corinth	9.8 mi	$1,500

Questions

What is the Fair Market Rent for ZIP code 04939?

HUD's FY2027 Small Area Fair Market Rents for 04939 are $1,140 (studio), $1,250 (1 BR), $1,640 (2 BR), $2,240 (3 BR) and $2,300 (4 BR) a month.

What is the Section 8 payment standard in 04939?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 04939 that range is $1,476 to $1,804 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 04939?

The FY2026 income limits of the Penobscot County, ME (part) area apply: median family income $79,000, low-income (80%) limit $73,500 for a family of four.