Renting · Section 8

Data from November 2026

Renting in Cumberland County, Maine

Cumberland County has a HUD fair market rent of $1,941–$2,353 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,589 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $37.33–$45.25 an hour, full time.

Figure your move-in cash Section 8 here

Two parents walk hand in hand with their little daughter.

Fair market rent, 2 bedrooms: $1,941–$2,353; a month, HUD, Fiscal year 2027; HUD sets it by area: from the lowest to the highest of the 2 areas in Cumberland County.
Typical rent: $1,589; a month, Census, Average 2020–2024; 40% more than in Maine
Wage needed: $37.33–$45.25; an hour, 2 bedrooms; Or $77,640–$94,120 a year, to spend no more than 30% of income on rent.
Rent-burdened households: 50%; spend 30% or more of income on rent; 3% more than in Maine

Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD) (external site) Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates (external site)

Only here

Renting in Cumberland County: what sets it apart

What this place has that others do not, from public data, most unusual first.

Cumberland County has the highest typical rent of the 16 counties in Maine: $1,589.
Cumberland County has the highest typical household income of the 16 counties in Maine: $95,677.
Cumberland County has the highest typical rent in its area: $1,589, more than any of its 6 neighboring counties; next is York County ($1,339).
At 70%, Cumberland County ranks 2nd among the 16 counties in Maine for the lowest homeownership rate.

Sources: U.S. Census Bureau (Average 2020–2024).

Fair market rent

What HUD sets for each size

Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Cumberland County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.

The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)

HUD splits this county into 2 areas with different fair market rents: for 2 bedrooms they run from $1,941 to $2,353. The table is for Portland, ME HUD Metro FMR Area, the area where most people live; below you see every area with its towns. Includes basic utilities.

According to Zillow (ZORI), the typical asking rent in Cumberland County was $2,397 a month in September 2026: 2.2% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data

Fair market rent by size in Portland, ME HUD Metro FMR Area To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Fair market rent and wage needed. To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).
Size	Fair rent per month	Hourly wage	Income needed per year
Studio	$1,639	$31.52	$65,560
1 bedroom	$1,864	$35.85	$74,560
2 bedrooms	$2,353	$45.25	$94,120
3 bedrooms	$2,902	$55.81	$116,080
4 bedrooms	$3,092	$59.46	$123,680

HUD area: Portland, ME HUD Metro FMR Area. Source: HUD, Fiscal year 2027

Fair market rent by HUD area in Cumberland County

HUD splits this county into 2 areas, each with its own fair market rent. Find your town in its area's list; the housing agency tells you which one it uses for your voucher.

Fair market rent by HUD area in Cumberland County
HUD area	Studio	1 bd	2 bd	3 bd	4 bd	Hourly wage, 2 bd
Portland, ME HUD Metro FMR Area The area where most people live 19 towns in this area Cape Elizabeth town, Casco town, Chebeague Island town, Cumberland town, Falmouth town, Freeport town, Frye Island town, Gorham town, Gray town, Long Island town, North Yarmouth town, Portland city, Raymond town, Scarborough town, South Portland city, Standish town, Westbrook city, Windham town, Yarmouth town	$1,639	$1,864	$2,353	$2,902	$3,092	$45.25
Cumberland County, ME (part) HUD Metro FMR Area 9 towns in this area Baldwin town, Bridgton town, Brunswick town, Harpswell town, Harrison town, Naples town, New Gloucester town, Pownal town, Sebago town	$1,545	$1,561	$1,941	$2,425	$3,244	$37.33

HUD fair market rent by area and size, per month, Fiscal year 2027. The wage is what full-time work must pay to rent 2 bedrooms without spending more than 30% of income. Source: HUD, Fiscal year 2027 Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD) (external site)

By ZIP code

The fair market rent for your ZIP code

HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 45 ZIP codes in Cumberland County (Fiscal year 2027). Type yours to see it.

For 2 bedrooms they run from $1,650 in 04040 to $3,440 in 04050.

Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)

Fair market rent by ZIP code, HUD area and size, Fiscal year 2027. A ZIP code that crosses a HUD area line appears once per area.

04003	Cumberland County, ME	$1,630	$1,690	$2,110	$2,630	$3,360
04009	Cumberland County, ME	$1,340	$1,360	$1,690	$2,150	$2,820
04011	Cumberland County, ME	$1,610	$1,620	$2,020	$2,520	$3,380
04011	Sagadahoc County, ME	$1,610	$1,620	$2,020	$2,520	$3,380
04015	Portland, ME	$1,330	$1,500	$1,920	$2,340	$2,540
04017	Portland, ME	$2,190	$2,490	$3,140	$3,870	$4,130
04019	Portland, ME	$2,270	$2,580	$3,250	$4,010	$4,270
04021	Portland, ME	$2,080	$2,370	$2,990	$3,690	$3,930
04024	Cumberland County, ME	$1,600	$1,680	$2,100	$2,600	$3,270
04029	Cumberland County, ME	$1,580	$1,590	$1,980	$2,470	$3,310
04032	Cumberland County, ME	$1,580	$1,800	$2,270	$2,800	$2,980
04032	Portland, ME	$1,580	$1,800	$2,270	$2,800	$2,980
04038	Portland, ME	$1,540	$1,750	$2,210	$2,730	$2,900
04039	Cumberland County, ME	$1,460	$1,660	$2,100	$2,590	$2,760
04039	Portland, ME	$1,460	$1,660	$2,100	$2,590	$2,760
04040	Cumberland County, ME	$1,140	$1,260	$1,650	$2,150	$2,740
04040	Oxford County, ME	$1,140	$1,260	$1,650	$2,150	$2,740
04050	Portland, ME	$2,400	$2,730	$3,440	$4,240	$4,520
04055	Cumberland County, ME	$2,040	$2,060	$2,560	$3,200	$4,280
04057	Cumberland County, ME	$1,340	$1,360	$1,690	$2,150	$2,820
04062	Portland, ME	$1,360	$1,550	$1,960	$2,420	$2,580
04066	Cumberland County, ME	$1,500	$1,520	$1,890	$2,360	$3,160
04069	Cumberland County, ME	$1,600	$1,770	$2,230	$2,760	$3,090
04071	Cumberland County, ME	$1,430	$1,630	$2,060	$2,540	$2,740
04071	Portland, ME	$1,430	$1,630	$2,060	$2,540	$2,740
04074	Portland, ME	$1,850	$2,110	$2,660	$3,280	$3,500
04079	Cumberland County, ME	$1,540	$1,550	$1,930	$2,410	$3,230
04084	Portland, ME	$1,500	$1,710	$2,160	$2,660	$2,840
04085	Portland, ME	$1,670	$1,900	$2,400	$2,960	$3,150
04091	Cumberland County, ME	$1,210	$1,350	$1,700	$2,220	$2,740
04092	Portland, ME	$1,530	$1,740	$2,190	$2,700	$2,880
04096	Portland, ME	$1,750	$1,990	$2,510	$3,100	$3,300
04097	Cumberland County, ME	$1,670	$1,900	$2,400	$2,960	$3,150
04097	Portland, ME	$1,670	$1,900	$2,400	$2,960	$3,150
04101	Portland, ME	$1,690	$1,920	$2,420	$2,980	$3,180
04102	Portland, ME	$1,630	$1,850	$2,340	$2,890	$3,080
04103	Portland, ME	$1,660	$1,890	$2,380	$2,940	$3,130
04105	Portland, ME	$2,230	$2,540	$3,200	$3,950	$4,210
04106	Portland, ME	$1,840	$2,090	$2,640	$3,260	$3,470
04107	Portland, ME	$2,340	$2,660	$3,360	$4,140	$4,420
04108	Portland, ME	$1,580	$1,800	$2,270	$2,800	$2,980
04109	Portland, ME	$1,840	$2,100	$2,640	$3,260	$3,470
04110	Portland, ME	$2,000	$2,280	$2,870	$3,550	$3,780
04260	Cumberland County, ME	$1,500	$1,510	$1,880	$2,350	$3,140
04260	Lewiston-Auburn, ME	$1,500	$1,510	$1,880	$2,350	$3,140

ZIP code 2 bd3 bd
04003 · Cumberland County, ME $2,110$2,630
04009 · Cumberland County, ME $1,690$2,150
04011 · Cumberland County, ME $2,020$2,520
04011 · Sagadahoc County, ME $2,020$2,520
04015 · Portland, ME $1,920$2,340
04017 · Portland, ME $3,140$3,870
04019 · Portland, ME $3,250$4,010
04021 · Portland, ME $2,990$3,690
04024 · Cumberland County, ME $2,100$2,600
04029 · Cumberland County, ME $1,980$2,470
04032 · Cumberland County, ME $2,270$2,800
04032 · Portland, ME $2,270$2,800
04038 · Portland, ME $2,210$2,730
04039 · Cumberland County, ME $2,100$2,590
04039 · Portland, ME $2,100$2,590
04040 · Cumberland County, ME $1,650$2,150
04040 · Oxford County, ME $1,650$2,150
04050 · Portland, ME $3,440$4,240
04055 · Cumberland County, ME $2,560$3,200
04057 · Cumberland County, ME $1,690$2,150
04062 · Portland, ME $1,960$2,420
04066 · Cumberland County, ME $1,890$2,360
04069 · Cumberland County, ME $2,230$2,760
04071 · Cumberland County, ME $2,060$2,540
04071 · Portland, ME $2,060$2,540
04074 · Portland, ME $2,660$3,280
04079 · Cumberland County, ME $1,930$2,410
04084 · Portland, ME $2,160$2,660
04085 · Portland, ME $2,400$2,960
04091 · Cumberland County, ME $1,700$2,220
04092 · Portland, ME $2,190$2,700
04096 · Portland, ME $2,510$3,100
04097 · Cumberland County, ME $2,400$2,960
04097 · Portland, ME $2,400$2,960
04101 · Portland, ME $2,420$2,980
04102 · Portland, ME $2,340$2,890
04103 · Portland, ME $2,380$2,940
04105 · Portland, ME $3,200$3,950
04106 · Portland, ME $2,640$3,260
04107 · Portland, ME $3,360$4,140
04108 · Portland, ME $2,270$2,800
04109 · Portland, ME $2,640$3,260
04110 · Portland, ME $2,870$3,550
04260 · Cumberland County, ME $1,880$2,350
04260 · Lewiston-Auburn, ME $1,880$2,350

Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)

Rent burden

How many households spend too much

HUD counts rent as a burden when it reaches 30% of income or more. In Cumberland County, 50% of renter households are in that position; in Maine, 48%, and nationwide, 51% (Average 2020–2024, Census).

Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.

50%

of renter households spend 30% or more of their income on rent.

39,903 households rent in Cumberland County

Spend half or more of their income 21%
Spend 30% or more, but less than half 29%
Spend less than 30% 50%

Compared with the state and the country

Cumberland 50%
Maine 48%
United States 51%

Low-income apartments

Low-income apartments in Cumberland County

with tax credits (LIHTC): 84
HUD-assisted: 52
public housing: 2

7,133 homes in all; 6,129 of them low-income, according to HUD.

Northfield Green Tax credit (LIHTC) 147 Allen Ave, Portland 201 homes, 200 low-income · 1 bd: 200 · 2 bd: 1 · In service since 2018 · For older adults
Northfield Green HUD-assisted 147 Allen Ave, Portland 04103 201 homes, 200 low-income · For older adults
Franklin Towers Public housing 211 Cumberland Ave, Portland 04101 200 low-income homes · Run by Portland Housing Authority · Average payment: $416 a month · Average wait: 2 months · (207) 773-4753
Westbrook Pointe Tax credit (LIHTC) 5 Teri Cir, Westbrook 198 homes, 181 low-income · 2 bd: 117 · 3 bd: 80 · 4 bd: 1 · In service since 2005 · For families
Westbrook Pointe HUD-assisted 26 Prospect St, Westbrook 04092 198 homes, 173 low-income · For families
100 State Street HUD-assisted 100 State St, Portland 04101 168 low-income homes · For older adults
Auburn Terrace Tax credit (LIHTC) 246 Auburn St, Portland 164 low-income homes · 1 bd: 36 · 2 bd: 104 · 3 bd: 24 · In service since 1999
Congress Square Tax credit (LIHTC) 579 Congress St, Portland 160 low-income homes · 1 bd: 7 · 2 bd: 136 · 3 bd: 17 · In service since 2006 · For older adults
Congress Square Plaza HUD-assisted 10 Congress Square Plz, Portland 04101 160 low-income homes · For older adults
Larrabee Village Tax credit (LIHTC) 30 Liza Harmon Dr, Westbrook 150 low-income homes · 1 bd: 150 · In service since 1997
Munjoy South Townhouse Apts Tax credit (LIHTC) 31 Mountfort St, Portland 140 low-income homes · 1 bd: 12 · 2 bd: 81 · 3 bd: 43 · 4 bd: 4 · In service since 1998 · For families
Danforth Heights HUD-assisted 236 Spring St, Portland 04102 166 homes, 137 low-income · For families · (207) 772-4386
Bayside East Public housing 11 Kennedy Park, Portland 04101 130 homes, 128 low-income · Run by Portland Housing Authority · Average payment: $894 a month · Average wait: 118 months · Homes at several sites · (207) 773-4753
Deering Pavilion HUD-assisted 880 Forest Ave, Portland 04103 200 homes, 110 low-income · For older adults
Loring House Tax credit (LIHTC) 1125 Brighton Ave, Portland 104 homes, 100 low-income · Studio: 7 · 1 bd: 97 · In service since 2016 · For older adults
Longfellow Place HUD-assisted 100 Longfellow Pl, Westbrook 04092 90 low-income homes · For older adults
Riverview Terrace-Larrabee Woods Tax credit (LIHTC) 21 Knight St, Westbrook 83 low-income homes · Studio: 26 · 1 bd: 53 · 2 bd: 4 · In service since 2018 · For older adults
Mill Cove HUD-assisted 10 Soule St, South Portland 04106 82 low-income homes · For older adults
Ridgeland Estates Tax credit (LIHTC) 109 Ridgeland Ave, South Portland 80 low-income homes · 1 bd: 80 · In service since 1993 · For older adults
Steeple Square Tax credit (LIHTC) 17 Webb St, Westbrook 73 low-income homes · 1 bd: 23 · 2 bd: 16 · 3 bd: 34 · In service since 2015
The Park Danforth HUD-assisted 777 Stevens Ave, Portland 04103 70 low-income homes · For older adults
Motherhouse Senior Housing Tax credit (LIHTC) 605 Stevens Ave, Portland 88 homes, 66 low-income · Studio: 20 · 1 bd: 68 · In service since 2018 · For older adults
Brick Hill Townhouses Tax credit (LIHTC) 1 Townhouse Dr, South Portland 66 low-income homes · 1 bd: 17 · 2 bd: 33 · 3 bd: 16 · In service since 2005 · For families
Lafayette Square Apts Tax credit (LIHTC) 638 Congress St, Portland 92 homes, 65 low-income · 1 bd: 29 · 2 bd: 63 · In service since 1996 · For families
Cortland Court Tax credit (LIHTC) 696 Westbrook St, South Portland 188 homes, 61 low-income · 1 bd: 6 · 2 bd: 182 · In service since 1992
Harnois Apartments Tax credit (LIHTC) 70 Ruth Hunton Ct, Westbrook 61 low-income homes · 1 bd: 61 · In service since 2021 · For older adults
Kayeight North School HUD-assisted 248 Congress St, Portland 04101 60 low-income homes · For older adults · (207) 761-0321
Pearl Place Tax credit (LIHTC) 159 Oxford St, Portland 60 low-income homes · 1 bd: 20 · 2 bd: 25 · 3 bd: 15 · In service since 2007 · For families
Bayview Heights HUD-assisted 158 North St, Portland 04101 60 homes, 59 low-income · For older adults · (207) 772-3837
Butler Payson Tax credit (LIHTC) 77 Pine St, Portland 56 low-income homes · 1 bd: 50 · 2 bd: 6 · In service since 2015 · For older adults
Butler/Payson HUD-assisted 218 State St, Portland 04101 56 low-income homes · For older adults
Bessey Commons Senior Housing Tax credit (LIHTC) 272 US Route 1, Scarborough 54 low-income homes · 1 bd: 53 · 2 bd: 1 · In service since 2008 · For older adults
Pearl Place Phase II Tax credit (LIHTC) 184 Pearl St, Portland 54 low-income homes · 1 bd: 26 · 2 bd: 17 · 3 bd: 11 · In service since 2012 · For families
Betsy Ross Tax credit (LIHTC) 99 Preble St, South Portland 123 homes, 50 low-income · 1 bd: 123 · In service since 2000
409 Cumberland Ave Apartments Tax credit (LIHTC) 409 Cumberland Ave, Portland 57 homes, 46 low-income · Studio: 21 · 1 bd: 32 · 2 bd: 4 · In service since 2015 · For families
Bayside Anchor Tax credit (LIHTC) 81 E Oxford St, Portland 45 low-income homes · Studio: 5 · 1 bd: 34 · 2 bd: 6 · In service since 2016 · For families
Solterra Apartments Tax credit (LIHTC) 58 Boyd St, Portland 55 homes, 44 low-income · Studio: 23 · 1 bd: 10 · 2 bd: 13 · 3 bd: 9 · In service since 2020 · For families
Brick Hill Cottages Tax credit (LIHTC) 1 Red Oak Dr, South Portland 44 low-income homes · 1 bd: 11 · 2 bd: 18 · 3 bd: 10 · 4 bd: 5 · In service since 2006 · For families
Longfellow Commons HUD-assisted 206 State St, Portland 04101 44 low-income homes · For older adults
Ridgeland Gardens Tax credit (LIHTC) 101 Ridgeland Ave, South Portland 44 low-income homes · 1 bd: 44 · In service since 2015 · For older adults
Cumberland Park Place HUD-assisted 457 Cumberland Ave, Portland 04101 43 low-income homes · For older adults
Furman Block Tax credit (LIHTC) 100 Parris St, Portland 51 homes, 40 low-income · Studio: 5 · 1 bd: 46 · In service since 2021 · For older adults
Bessey Crossing Tax credit (LIHTC) 4 Bessey School Dr, Scarborough 40 low-income homes · 1 bd: 40 · In service since 2021 · For older adults
Creekside Village Tax credit (LIHTC) 50 Baribeau Dr, Brunswick 40 low-income homes · 1 bd: 36 · 2 bd: 4 · In service since 2007 · For older adults
Pejepscot Terrace II HUD-assisted 36 Pejepscot Ter, Brunswick 04011 40 low-income homes · For older adults
Blackstone Apartments Tax credit (LIHTC) 21 Squidere Ln, Falmouth 39 low-income homes · 1 bd: 33 · 2 bd: 6 · In service since 2018 · For older adults, people with disabilities
Emerson Commons Tax credit (LIHTC) 13 Emerson St, Portland 39 low-income homes · Studio: 1 · 1 bd: 10 · 2 bd: 20 · 3 bd: 8 · In service since 2010 · For families
DR. Arthur O. Berry (aka Larrabee Commons) Tax credit (LIHTC) 27 Liza Harmon Dr, Westbrook 38 low-income homes · 1 bd: 38 · In service since 2018 · For older adults
Elm Terrace Tax credit (LIHTC) 68 High St, Portland 38 low-income homes · Studio: 6 · 1 bd: 22 · 2 bd: 10 · In service since 2013 · For families
Southgate House Tax credit (LIHTC) 577 US Route 1, Scarborough 38 low-income homes · Studio: 4 · 1 bd: 14 · 2 bd: 12 · 3 bd: 8 · In service since 2018 · For families
The Malcolm A Noyes Apts at Millbrook Estates Tax credit (LIHTC) 290 E Bridge St, Westbrook 38 low-income homes · 1 bd: 38 · In service since 2017 · For older adults
Village at Oak Hill HUD-assisted 72 Gorham Rd, Scarborough 04074 38 low-income homes · For older adults
Village Green Apts Tax credit (LIHTC) 12 Drowne Rd, Cumberland 38 low-income homes · Studio: 1 · 1 bd: 11 · 2 bd: 26 · In service since 2013 · For older adults
Carleton Street Tax credit (LIHTC) 17 Carleton St, Portland 37 low-income homes · Studio: 12 · 1 bd: 23 · 2 bd: 2 · In service since 2017 · For families
Hyacinth Place Tax credit (LIHTC) 2 Walker St, Westbrook 37 low-income homes · Studio: 3 · 1 bd: 15 · 2 bd: 11 · 3 bd: 8 · In service since 2013 · For families
Oak Street Lofts Tax credit (LIHTC) 72 Oak St, Portland 37 low-income homes · Studio: 37 · In service since 2012 · For families
Foreside Estates HUD-assisted 170 Clearwater Dr, Falmouth 04105 170 homes, 35 low-income · For families
Wessex Woods Tax credit (LIHTC) 7 Wessex St, Portland 40 homes, 34 low-income · 1 bd: 40 · In service since 2021 · For older adults
Golder Commons Tax credit (LIHTC) 87 Bridge St, Westbrook 34 low-income homes · 2 bd: 22 · 3 bd: 12 · In service since 2006 · For families
Spring Crossing Tax credit (LIHTC) 19 Ash St, Westbrook 34 low-income homes · 1 bd: 31 · 2 bd: 3 · In service since 2011 · For older adults
Townhouses at Ocean East Tax credit (LIHTC) 6 Schooner Rd, South Portland 54 homes, 33 low-income · 2 bd: 27 · 3 bd: 27 · In service since 2004 · For families
Townhouses at Ocean East Tax credit (LIHTC) 1 Schooner Rd, South Portland 32 low-income homes · 2 bd: 10 · 3 bd: 22 · In service since 2004 · For families
YMCA Apts Tax credit (LIHTC) 231 High St, Portland 32 low-income homes · Studio: 32 · In service since 2006 · For families
53 Danforth Street Tax credit (LIHTC) 53 Danforth St, Portland 43 homes, 30 low-income · 1 bd: 35 · 2 bd: 8 · In service since 2009 · For families
Iris Park Apts Tax credit (LIHTC) 189 Park Ave, Portland 31 homes, 30 low-income · 1 bd: 25 · 2 bd: 6 · In service since 2006 · For families
Brick Hill Heights Tax credit (LIHTC) 80 Brickhill Ave, South Portland 30 low-income homes · 1 bd: 15 · 2 bd: 9 · 3 bd: 6 · In service since 2008 · For families
Danforth on High Tax credit (LIHTC) 81 Danforth St, Portland 30 low-income homes · 1 bd: 30 · In service since 2013 · For older adults
Huston Commons Tax credit (LIHTC) 72 Bishop St, Portland 30 low-income homes · Studio: 30 · In service since 2017 · For families
Logan Place Tax credit (LIHTC) 52 Frederick Rd, Portland 30 low-income homes · Studio: 30 · In service since 2005 · For people experiencing homelessness
Village View Tax credit (LIHTC) 26 Village View Ln, Freeport 30 low-income homes · 1 bd: 2 · 2 bd: 8 · 3 bd: 20 · In service since 1997
Yale Court Development Tax credit (LIHTC) 240 Harvard St, Portland 30 low-income homes · 2 bd: 10 · 3 bd: 20 · In service since 2004 · For families
Island View Apts Tax credit (LIHTC) 151 Walnut St, Portland 70 homes, 29 low-income · 1 bd: 3 · 2 bd: 23 · 3 bd: 44 · In service since 2002 · For families
Osprey Circle Tax credit (LIHTC) 1 Osprey Cir, South Portland 48 homes, 29 low-income · 1 bd: 42 · 2 bd: 6 · In service since 2014 · For older adults, people with disabilities
Old High School Apts Tax credit (LIHTC) 765 Main St, Westbrook 29 low-income homes · 1 bd: 27 · 2 bd: 2 · In service since 2003 · For older adults
Bartlett Woods Tax credit (LIHTC) 31 Bartlett Cir, Yarmouth 28 low-income homes · 1 bd: 22 · 2 bd: 6 · In service since 2017 · For older adults
Unity Village at Bayside Tax credit (LIHTC) 275 Cumberland Ave, Portland 33 homes, 26 low-income · 1 bd: 6 · 2 bd: 10 · 3 bd: 17 · In service since 2001
Oakleaf Terrace HUD-assisted 24 South St, Freeport 04032 26 low-income homes · For older adults
Florence House Apts Tax credit (LIHTC) 190 Valley St, Portland 25 low-income homes · Studio: 25 · In service since 2010 · For people experiencing homelessness
Oak Leaf 2 Tax credit (LIHTC) 24 South St, Freeport 25 low-income homes · 1 bd: 22 · 2 bd: 3 · In service since 2012 · For older adults
Stonecrest Manor (STANDISH) Tax credit (LIHTC) 36 Annies Way, Standish 25 low-income homes · 1 bd: 21 · 2 bd: 4 · In service since 2013 · For older adults
Varney Square Apts Tax credit (LIHTC) 7 Unity Ln, Freeport 30 homes, 24 low-income · 1 bd: 10 · 2 bd: 10 · 3 bd: 10 · In service since 2006 · For families
Chom Scattered Sites Supportive Housing Tax credit (LIHTC) 25 Wall St, Portland 24 low-income homes · 1 bd: 18 · 2 bd: 6 · In service since 2001
Deerfield Village Apts Tax credit (LIHTC) 246 Pond Rd, Bridgton 24 low-income homes · 1 bd: 12 · 2 bd: 12 · In service since 2003 · For families
Foreside Village HUD-assisted 7 Fundy Rd, Falmouth 04105 24 low-income homes · For older adults
Jordan Bay Place HUD-assisted 10 Levy Ln, Raymond 04071 24 low-income homes · For older adults
Little Falls Landing HUD-assisted 3 Depot St, Windham 04062 24 low-income homes · For older adults
Old Gurnet Housing HUD-assisted 1 Heath St, Brunswick 04011 24 low-income homes · For families
Ridgewood II Tax credit (LIHTC) 99 School St, Gorham 24 low-income homes · 1 bd: 21 · 2 bd: 3 · In service since 2016 · For older adults
Unity Gardens Tax credit (LIHTC) 124 Tandberg Trl, Windham 24 low-income homes · 1 bd: 24 · In service since 2005 · For older adults
Unity Gardens HUD-assisted 124 Tandberg Trl, Windham 04062 24 low-income homes · For older adults
Valley ST Apts Tax credit (LIHTC) 315 Valley St, Portland 24 low-income homes · 1 bd: 21 · 2 bd: 3 · In service since 2006 · For people with disabilities
Clearwater Bend Tax credit (LIHTC) 27 Reed St, Westbrook 23 low-income homes · 2 bd: 15 · 3 bd: 8 · In service since 2008 · For families
Walker Terrace Tax credit (LIHTC) 1 Walker St, Portland 40 homes, 22 low-income · 1 bd: 20 · 2 bd: 20 · In service since 2006 · For families
Yarmouth Falls Apartments HUD-assisted 18 Bridge St, Yarmouth 04096 22 low-income homes · For older adults
Larose Gardens Apts Tax credit (LIHTC) 231 New Gorham Rd, Westbrook 26 homes, 21 low-income · 1 bd: 15 · 2 bd: 11 · In service since 2007 · For families
Carleton Court HUD-assisted 145 Spring St, Portland 04101 21 low-income homes · For families
Blackstone I HUD-assisted 21 Squidere Ln, Falmouth 04105 22 homes, 20 low-income · For older adults
Bayside East Tax credit (LIHTC) 47 Smith St, Portland 20 low-income homes · 1 bd: 20 · In service since 2008 · For older adults
Brook Hollow HUD-assisted 17 Brook Hollow Rd, Naples 04055 20 low-income homes · For older adults
Fore River Apts Tax credit (LIHTC) 63 Frederic St, Portland 20 low-income homes · 1 bd: 8 · 2 bd: 12 · In service since 2006 · For families
New Marblehead Manor HUD-assisted 21 Oak Ln, Windham 04062 20 low-income homes · For older adults
New Marblehead Manor One Tax credit (LIHTC) 21 Oak Ln, Windham 20 low-income homes · 1 bd: 18 · 2 bd: 2 · In service since 2013 · For older adults
New Marblehead North HUD-assisted 32 Sandbar Rd, Windham 04062 20 low-income homes · For older adults
Pleasant Street Housing HUD-assisted 824 Stevens Ave, Portland 04103 20 low-income homes · For people with disabilities
Prop Family Housing Phase III Tax credit (LIHTC) 135 Cumberland Ave, Portland 20 low-income homes · 1 bd: 1 · 3 bd: 17 · 4 bd: 2 · In service since 2006 · For families
Ridgewood Apartments HUD-assisted 11 Millett Dr, Gorham 04038 20 low-income homes · For older adults
Sandy Creek Tax credit (LIHTC) 41 Sawyer Cir, Bridgton 20 low-income homes · 1 bd: 3 · 2 bd: 7 · 3 bd: 10 · In service since 2000
Wellesley Estates Tax credit (LIHTC) 1818 Forest Ave, Portland 45 homes, 19 low-income · 2 bd: 27 · 3 bd: 18 · In service since 2003 · For families
Brookside Village HUD-assisted 7 Spring St, Freeport 04032 16 low-income homes · For older adults
Brookside Village (FREEPORT) Tax credit (LIHTC) 7 Spring St, Freeport 16 low-income homes · 1 bd: 13 · 2 bd: 3 · In service since 2001
Forest Avenue Apartments HUD-assisted 1300 Forest Ave, Portland 04103 16 low-income homes · For people with disabilities
Prop Family Housing Phase II Tax credit (LIHTC) 77 Grant St, Portland 16 low-income homes · 2 bd: 6 · 3 bd: 10 · In service since 2005 · For families
17 Lincoln Street HUD-assisted 17 Lincoln St, Brunswick 04011 14 low-income homes · For people with disabilities
Casco Terrace Tax credit (LIHTC) 41 State St, Portland 27 homes, 13 low-income · 1 bd: 11 · 2 bd: 16 · In service since 2004
Colonial Village I HUD-assisted 2 Starboard Dr, Cape Elizabeth 04107 12 low-income homes · For older adults
Ingraham House HUD-assisted 79 High St, Portland 04101 12 low-income homes · For people with disabilities
ST Dominic's School Apts Tax credit (LIHTC) 42 Gray St, Portland 12 low-income homes · 1 bd: 1 · 2 bd: 5 · 3 bd: 4 · 4 bd: 2 · In service since 2004 · For families
Stonecrest HUD-assisted 15 Oak Ridge Dr, Standish 04084 12 low-income homes · For older adults
Wayside Pines HUD-assisted 26 Wayside Ave, Bridgton 04009 12 low-income homes · For older adults
The Fay Garman House HUD-assisted Central Avenue, Peaks Island 04108 12 homes, 11 low-income · For older adults
Shalom Apartments HUD-assisted 52 Croquet Ln, Portland 04103 11 low-income homes · For people with disabilities
Riverside Estates Tax credit (LIHTC) 41 River Rd, Brunswick 48 homes, 10 low-income · 2 bd: 48 · In service since 1995
Adam Court HUD-assisted 1 Adams St, South Portland 04106 10 low-income homes · For people with disabilities
Brannigan House Tax credit (LIHTC) 90 High St, Portland 10 low-income homes · Studio: 8 · 1 bd: 1 · 2 bd: 1 · In service since 2002 · For families
Colonial Village II HUD-assisted 2 Starboard Dr, Cape Elizabeth 04107 10 low-income homes · For older adults
Pejepscot Terrace IV HUD-assisted 36 Pejepscot Ter, Brunswick 04011 10 low-income homes · For older adults
Rosa True Tax credit (LIHTC) 140 Park St, Portland 10 low-income homes · 2 bd: 2 · 3 bd: 8 · In service since 2016 · For families
Prop Family Housing Phase I Tax credit (LIHTC) 49 Hanover St, Portland 12 homes, 9 low-income · 3 bd: 12 · In service since 2003 · For families
Schoolhouse Commons HUD-assisted 6 Lincoln St, Westbrook 04092 8 low-income homes · For families
Quarry Ridge Apartments HUD-assisted 60 Bow St, Freeport 04032 27 homes, 7 low-income · (207) 774-0501
Westbrook Group Home HUD-assisted 15 Woodmont St, Westbrook 04092 7 low-income homes · For people with disabilities
Sawyer Street House HUD-assisted 388 Sawyer St, South Portland 04106 7 homes, 6 low-income · For people with disabilities
60-62 Pleasant Street HUD-assisted 60 Pleasant St, Brunswick 04011 6 low-income homes · For people with disabilities
Brackett Street HUD-assisted 232 Brackett St, Portland 04102 6 low-income homes · For people with disabilities
Deering Place HUD-assisted 61 and 63 Deering Street, Portland 04101 70 homes, 5 low-income · (207) 553-7777
West End Apartments HUD-assisted 586 Westbrook St, South Portland 04106 64 homes, 5 low-income · (207) 553-7777
Clearwater Bend HUD-assisted 27 Reed St, Westbrook 04092 23 homes, 5 low-income · (207) 797-7066
Townhouses at Ocean East 2 Tax credit (LIHTC) Schooner LN, Portland 33 homes

How to apply

For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information. Source: HUD
You apply for public housing at the housing agency that runs it. The agency looks at your yearly income, whether you are a family, an older adult or a person with a disability, and your U.S. citizenship or eligible immigration status. If you qualify, your name goes on a waiting list unless they can help you right away. Source: HUD
In tax-credit (LIHTC) apartments, the low-income homes have an income limit, a percentage of the area median income, and a rent cap. Source: 26 U.S.C. §42(g)
In buildings with Section 8 project-based assistance, only low-income households can move in. Source: 24 CFR §5.653(b)
A housing voucher (Section 8) is a separate kind of help: you apply at the public housing agency and use it to rent a home you choose. Source: HUD

This county's income limits Search HUD's map

In public housing, the average payment is what households pay on average for rent and utilities, and the average wait is the time on the list of those who moved in. HUD does not publish those figures where fewer than 11 households reported.

Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.

Section 8

The Section 8 voucher in Cumberland County

The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 4 agencies serve in Cumberland County. Here is what the rules say:

The rules, with their source

You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)

Mixed-status families: how assistance is figured

HUD income limits Yearly income of the whole family, before taxes.

HUD income limits by family size, Fiscal year 2026. Area: Portland, ME HUD Metro FMR Area.
People	Extremely low (30%)	Very low (50%)	Low
1 person	$29,250	$48,700	$74,800
2 people	$33,400	$55,650	$85,450
3 people	$37,600	$62,600	$96,150
4 people	$41,750	$69,550	$106,800
5 people	$45,100	$75,150	$115,350
6 people	$48,450	$80,700	$123,900
7 people	$51,800	$86,250	$132,450
8 people	$55,720	$91,850	$141,000

Area median income: $139,100. HUD income limits by family size, Fiscal year 2026. Area: Portland, ME HUD Metro FMR Area. Where a single figure is needed, we use Portland, ME HUD Metro FMR Area, the area where most people live. Source: HUD, Fiscal year 2026

How much can you earn? Check your case

Income limits by HUD area in Cumberland County

HUD splits this county into 2 areas, each with its own limits. These are for 4 people; find your town in its area's list. The agency tells you which one is yours.

Income limits by HUD area in Cumberland County
HUD area	Median income	Extremely low (30%)	Very low (50%)	Low (80%)
Portland, ME HUD Metro FMR Area The area where most people live 19 towns in this area Cape Elizabeth town, Casco town, Chebeague Island town, Cumberland town, Falmouth town, Freeport town, Frye Island town, Gorham town, Gray town, Long Island town, North Yarmouth town, Portland city, Raymond town, Scarborough town, South Portland city, Standish town, Westbrook city, Windham town, Yarmouth town	$139,100	$41,750	$69,550	$106,800
Cumberland County, ME (part) HUD Metro FMR Area 9 towns in this area Baldwin town, Bridgton town, Brunswick town, Harpswell town, Harrison town, Naples town, New Gloucester town, Pownal town, Sebago town	$110,800	$33,250	$55,400	$88,650

HUD income limits by area for 4 people, per year, Fiscal year 2026. Source: HUD, Fiscal year 2026 Source: Income Limits (HUD) Fiscal year 2026 Income Limits (HUD) (external site)

HUD sets fair market rents by area inside this county, so the 90% to 110% range depends on your area. Your agency publishes its payment standard.

Housing agencies that serve this place

Portland Housing Authority Public housing and Section 8 vouchers · 2,709 vouchers · 328 public housing units (207) 773-4753 Portland Housing Authority: lbruns@porthouse.org
The Housing Authority of the City of Westbroo Section 8 vouchers · 1,026 vouchers (207) 854-9779 The Housing Authority of the City of Westbroo: jconcannon@westbrookhousing.org
South Portland Housing Authority Public housing and Section 8 vouchers · 740 vouchers (207) 773-4140 South Portland Housing Authority: mhulsey@spha.net
Brunswick Housing Authority Public housing and Section 8 vouchers · 678 vouchers (207) 725-8711 Brunswick Housing Authority: libby@brunswickhousing.org

Housing agencies in Maine Source: HUD, Retrieved November 6, 2026

Your rights as a tenant in Maine

What Maine law says about deposits, notices and eviction, with the citation for each rule.

See your rights, rule by rule

Compare these rules with other states →

A summary of state law, not legal advice. Cities may have additional rules.

How much can they charge for a deposit?: Up to 2 months of rent; 14 M.R.S. §6032
How much notice before a rent increase?: 45 or 75 days, depending on the case; 14 M.R.S. §6015(1)-(2)

Help

Where to get help with rent in Cumberland County

This HUD-approved agency has an office in Cumberland County. They counsel for free or at low cost.

AH
Avesta Housing Development Corporation

307 Cumberland Ave, Portland
- Mortgage delinquency and default
- Budget and financial counseling
- and 5 more
(207) 553-7777

See every agency in Maine Find legal aid (lsc.gov)

Tool

How much cash do you need to move in?

It starts with the 2-bedroom fair market rent in Cumberland County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.

Count power on top of the rent: in Maine, the average home bill was $134 a month in 2024 (EIA). See electricity and gas costs

Open the full tool

Your move

State

We use the place's fair market rent and the state's deposit rule.

Monthly rentHUD fair market rent in Portland, ME HUD Metro FMR Area$HUD two-bedroom fair market rent (FMR) in Cumberland County (FY2027). Enter the rent of the home you want.What you can set aside each month$To see how long it takes to put it together.

Adjust advanced details

Deposit and rent in advance

The deposit, in

Months of rentDollars

Months of rent for the depositThat is $2,353. We start with an example; enter what you are asked for.Pay the first month before moving inThey also ask for the last month

Application fees$What each application charges, for all the ones you'll fill out.Utility deposits and connection$Electricity, gas, water and internet. Ask each company.The move$Planning example, not a price: $100 to $400 to rent a truck for a day for a move within your city. Get quotes.Pet deposit$Other costs$Boxes, locks, basic furniture.

Let's do the math

Cash to move in

$4,706

What you need before you get the keys.

What adds up

First month: $2,353
Security deposit: $2,353
Total: $4,706

The deposit cap

Pick your state to see whether its law caps the deposit.

Compare each state's rules →

When you'll have it

Enter what you can set aside each month to see how long it takes.

What helps

Ask for a receipt for every payment and keep a copy of the lease.
On move-in day, walk through the home and take dated photos.
Never send money for a home you haven't seen or a lease you haven't read.

Guide: the security deposit Guide: avoiding rental scams Family budget How much rent can I afford?

This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.

Guides

Before you sign

Frequently asked questions

What is the fair market rent in Cumberland County?

According to HUD (Fiscal year 2027): Studio: $1,545–$1,639; 1 bedroom: $1,561–$1,864; 2 bedrooms: $1,941–$2,353; 3 bedrooms: $2,425–$2,902; 4 bedrooms: $3,092–$3,244. It covers rent plus basic utilities, except the phone. HUD sets it by area within this county: the figure runs from the lowest area to the highest.

How much do you need to earn to rent in Cumberland County?

Paying the 2-bedroom fair market rent ($1,941–$2,353) without spending more than 30% of income takes $37.33–$45.25 an hour full time, or $77,640–$94,120 a year.

Who qualifies for Section 8 in Cumberland County?

Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $55,400–$69,550 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.

Does the fair market rent change by ZIP code in Cumberland County?

For 2 bedrooms they run from $1,650 in 04040 to $3,440 in 04050. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.

How many low-income apartments are there in Cumberland County?

HUD lists 138 properties with homes for low-income households in Cumberland County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.

How many households spend too much on rent in Cumberland County?

Sources and methodology

Fair market rents and income limits come from HUD; typical rent and the burden, from the Census. The wage needed is our calculation: fair market rent × 12 ÷ 30% ÷ full-time hours a year. The voucher rules were read in their official text on the date shown.

Fair Market Rents Fiscal year 2027
Small Area Fair Market Rents Fiscal year 2027
Low-income apartments Retrieved November 6, 2026
American Community Survey Average 2020–2024
Income Limits Fiscal year 2026
Public Housing Agencies Retrieved November 6, 2026
HUD-approved housing counseling agencies Retrieved November 6, 2026

Program rules

24 CFR §888.113, Fair market rents for existing housing: Methodology Verified October 30, 2026
24 CFR §982.503, Payment standard areas, schedule, and amounts Verified October 30, 2026
24 CFR §5.603, Definitions (income) Verified October 30, 2026
24 CFR §982.201, Eligibility and targeting Verified October 30, 2026
24 CFR §982.1, Programs: purpose and structure Verified October 30, 2026
24 CFR §982.508, Maximum family share at initial occupancy Verified October 30, 2026
HUD, Housing Choice Voucher Tenants Verified October 30, 2026

Renting in Cumberland County, Maine

Four numbers to start with

Renting in Cumberland County: what sets it apart

What HUD sets for each size

Fair market rent by HUD area in Cumberland County

The fair market rent for your ZIP code

How many households spend too much

Compared with the state and the country

Low-income apartments in Cumberland County

The Section 8 voucher in Cumberland County

The rules, with their source

Income limits by HUD area in Cumberland County

Housing agencies that serve this place

Your rights as a tenant in Maine

Where to get help with rent in Cumberland County

How much cash do you need to move in?

Your move

Before you sign

Frequently asked questions

What is the fair market rent in Cumberland County?

How much do you need to earn to rent in Cumberland County?

Who qualifies for Section 8 in Cumberland County?

Does the fair market rent change by ZIP code in Cumberland County?

How many low-income apartments are there in Cumberland County?

How many households spend too much on rent in Cumberland County?