HUD Fair Market Rent · FY 2026 · Effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Oxford County, Maine (FY 2026)
A two-bedroom in Oxford County carries a FY 2026 Fair Market Rent of $1,295 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Oxford keys off that figure.
Two-bedroom FMR
$1,295
+18.2% from FY 2025
Payment standard
$1,166–$1,425
90% to 110% of the FMR, two-bedroom
Income to afford
$51,800
a year, with rent at 30% of income
Rank in Maine
13th of 16
by two-bedroom FMR, highest first
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Oxford moves to $1,224. That's down 5%. The full FY 2027 table is in the history section below.
FY 2026 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $893 | $804–$982 | $35,720 | $17.17/hr | +7.6% |
| 1 bedroom | $989 | $890–$1,088 | $39,560 | $19.02/hr | +18.4% |
| 2 bedroom | $1,295 | $1,166–$1,425 | $51,800 | $24.90/hr | +18.2% |
| 3 bedroom | $1,801 | $1,621–$1,981 | $72,040 | $34.63/hr | +25.5% |
| 4 bedroom | $2,172 | $1,955–$2,389 | $86,880 | $41.77/hr | +18.0% |
Five to eight bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $2,498 | $2,248–$2,748 |
| 6 bedroom Estimate | $2,824 | $2,542–$3,106 |
| 7 bedroom Estimate | $3,149 | $2,834–$3,464 |
| 8 bedroom Estimate | $3,475 | $3,128–$3,823 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Oxford actually rent for?
Search any address in Oxford for a rent estimate built from nearby comps, with the HUD figure right next to it.
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What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Oxford somewhere between $1,166 and $1,425. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,295 a month is affordable, by HUD's 30% rule, on an income of roughly $51,800 a year. Put another way, $25 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$1,166 | Voucher pays at 100%$1,295 | Voucher pays at 110%$1,425 |
|---|---|---|---|---|
| $2,500 | $750 | $416 | $545 | $675 |
| $4,000 | $1,200 | $0 | $95 | $225 |
Rate history
The two-bedroom rate went up 18% from FY 2025 ($1,096) to FY 2026 ($1,295). Since FY 2020 it's up 62% in total, about 8.4% a year. The Maine median moved up 20% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $623 | $627 | $800 | $1,063 | $1,258 | — |
| FY 2021 | $632 | $636 | $838 | $1,042 | $1,298 | +4.8% |
| FY 2022 | $672 | $676 | $890 | $1,100 | $1,372 | +6.2% |
| FY 2023 | $729 | $734 | $966 | $1,176 | $1,534 | +8.5% |
| FY 2024 | $814 | $820 | $1,077 | $1,321 | $1,699 | +11.5% |
| FY 2025 | $830 | $835 | $1,096 | $1,435 | $1,840 | +1.8% |
| FY 2026In effect | $893 | $989 | $1,295 | $1,801 | $2,172 | +18.2% |
| FY 2027From Oct 1, 2026 | $852 | $949 | $1,224 | $1,695 | $2,046 | -5.5% |
About this rate
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Oxford, that runs from $893 for a studio up to $2,172 for four bedrooms, all five rates in the table above.
Because Oxford sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Brownfield included.
Among Maine's 16 counties, Oxford ranks 13th for two-bedroom FMR. That's about 9% below the state median of $1,429 and about 27% above the national median county at $1,018. About 58,728 people live here, 7th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,030 in 04224 (Dixfield) and $1,940 in 04010 (Brownfield), with the 32 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 04010 | Brownfield | $1,940 | +49.8% |
| 04016 | Center Lovell | $1,300 | +0.4% |
| 04022 | Denmark | $1,600 | +23.6% |
| 04037 | Fryeburg | $1,400 | +8.1% |
| 04041 | Hiram | $1,760 | +35.9% |
| 04051 | Lovell | $1,820 | +40.5% |
| 04068 | Porter | $1,590 | +22.8% |
| 04088 | Waterford | $1,530 | +18.1% |
| 04216 | Andover | $1,150 | -11.2% |
| 04217 | Bethel | $1,270 | -1.9% |
| 04219 | Bryant Pond | $1,410 | +8.9% |
| 04220 | Buckfield | $1,440 | +11.2% |
| 04221 | Canton | $1,190 | -8.1% |
| 04224 | Dixfield | $1,030 | -20.5% |
| 04226 | East Andover | $1,150 | -11.2% |
| 04231 | Stoneham | $1,490 | +15.1% |
| 04237 | Hanover | $1,380 | +6.6% |
| 04238 | Hebron | $1,530 | +18.1% |
| 04255 | Greenwood | $1,700 | +31.3% |
| 04257 | Mexico | $1,280 | -1.2% |
| 04261 | Newry | $1,630 | +25.9% |
| 04267 | North Waterford | $1,530 | +18.1% |
| 04268 | Norway | $1,090 | -15.8% |
| 04270 | Oxford | $1,670 | +29.0% |
| 04271 | Paris | $1,300 | +0.4% |
| 04275 | Roxbury | $1,120 | -13.5% |
| 04276 | Rumford | $1,030 | -20.5% |
| 04281 | South Paris | $1,390 | +7.3% |
| 04286 | West Bethel | $1,300 | +0.4% |
| 04289 | West Paris | $1,220 | -5.8% |
| 04290 | Peru | $1,210 | -6.6% |
| 04292 | Sumner | $1,400 | +8.1% |
Rates by town
Maine publishes Fair Market Rents town by town instead of by county. All 38 towns in Oxford County share the same rate for FY 2026, so the county number is the town number wherever you are.
| Town | Population | Studio | 1 BR | 2 BR | 3 BR | 4 BR |
|---|---|---|---|---|---|---|
| Rumford town | 5,918 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Paris town | 5,268 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Norway town | 5,168 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Oxford town | 4,286 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Fryeburg town | 3,444 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Mexico town | 2,772 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Buckfield town | 2,593 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Bethel town | 2,575 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Dixfield town | 2,340 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Otisfield town | 1,914 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| West Paris town | 1,901 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Hiram town | 1,757 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Brownfield town | 1,743 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Porter town | 1,566 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Peru town | 1,498 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Waterford town | 1,317 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Lovell town | 1,291 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Hartford town | 1,222 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Hebron town | 1,175 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Denmark town | 1,149 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Woodstock town | 1,086 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Canton town | 1,072 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Sumner town | 996 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Greenwood town | 700 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Andover town | 675 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Stow town | 505 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| South Oxford UT | 482 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Sweden town | 473 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Roxbury town | 426 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Stoneham town | 297 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Hanover town | 220 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Gilead town | 204 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Newry town | 196 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Byron town | 180 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Milton UT | 142 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Upton town | 104 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| Lincoln plantation | 42 | $893 | $989 | $1,295 | $1,801 | $2,172 |
| North Oxford UT | 31 | $893 | $989 | $1,295 | $1,801 | $2,172 |
Nearby counties
Two-bedroom FMR, with how each compares to Oxford.
Androscoggin County
24 mi · 112,323 people
$1,586
+22%
Franklin County
36 mi · 30,145 people
$1,322
+2%
Cumberland County
41 mi · 305,940 people
$2,082
+61%
Kennebec County
44 mi · 125,614 people
$1,416
+9%
Sagadahoc County
49 mi · 37,093 people
$1,577
+22%
Lincoln County
60 mi · 35,840 people
$1,403
+8%
York County
60 mi · 214,731 people
$1,873
+45%
Somerset County
63 mi · 50,852 people
$1,266
-2%
Questions people ask
$1,295 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $893 for a studio, $989 for one bedroom, $1,801 for three and $2,172 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
Payment standard and tenant share for a specific rent
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords
Rent affordability calculator
The income a household needs for a given rent
What does a rental in Oxford actually go for?
HUD's number is one input. Search any address in Oxford for a rent estimate built from nearby comps. 3 free searches, no card.
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