Penobscot Indian Island Re, Penobscot County, ME
Another record in Maine carries this same entity name, under a different parent county. This one belongs to Penobscot County and publishes a two-bedroom Fair Market Rent of $1,659; the other belongs to Aroostook County and publishes $1,224.
HUD county subdivision in Penobscot County (county).
Key HUD figures for Penobscot Indian Island Re, Penobscot County, ME
HUD area: Bangor, ME HUD Metro FMR Area
- Fair Market Rent (2BR)
- $1,659
- HUD Median Family Income
- $106,500
- Very Low Income (50%) — 4-person
- $53,250
- Low Income (80%) — 4-person
- $85,200
- HUD Year
- 2026
- FMR Year
- 2026
per month
area median family income, per year
annual household limit
annual household limit
income limits
fair market rents
Fair Market Rents by bedroom
| Unit size | Monthly FMR | Annualized FMR |
|---|---|---|
| Studio / efficiency | $1,244 | $14,928 |
| 1 bedroom | $1,313 | $15,756 |
| 2 bedrooms(reference benchmark) | $1,659 | $19,908 |
| 3 bedrooms | $2,133 | $25,596 |
| 4 bedrooms | $2,242 | $26,904 |
Compare 2BR Fair Market Rent
- Lower 2BR FMR: Sabattus town, ME $1,586/month
- Higher 2BR FMR: Acton town, ME $1,716/month
HUD income limits by household size
| Income limit category | 1 person | 2 persons | 3 persons | 4 persons | 5 persons | 6 persons | 7 persons | 8 persons |
|---|---|---|---|---|---|---|---|---|
| Extremely Low Income | $22,400 | $25,600 | $28,800 | $33,000 | $38,680 | $44,360 | $50,040 | $55,720 |
| Very Low Income (50%) | $37,300 | $42,600 | $47,950 | $53,250 | $57,550 | $61,800 | $66,050 | $70,300 |
| Low Income (80%) | $59,650 | $68,200 | $76,700 | $85,200 | $92,050 | $98,850 | $105,650 | $112,500 |
These are HUD income limits for the Bangor, ME HUD Metro FMR Area area. They are thresholds published by HUD, not an eligibility determination: individual programs apply their own rules, and adjusted-income definitions (deductions, allowances, and which household members count) can change whether a given household qualifies.
One name, opposite ends of the state table
- Applicable HUD 2BR FMR
- $1,659
- Median 2BR FMR across HUD county-subdivision records in ME
- $1,392
- Difference
- +$267
- Difference (%)
- +19.2%
- Rank in state
- Tied at 58 of 529
The two-bedroom Fair Market Rent applicable to Penobscot Indian Island Re, Penobscot County is above the state median for ME. It is tied at rank 58 of 529 county-subdivision records by 2BR FMR, sharing that rank with 13 other county-subdivision records at the same rent.
The other 13 records in this HUD area use the same 2BR FMR and therefore share this rank.
Rank 1 is the highest 2BR FMR in the state, and county-subdivision records with an identical rent share a rank. “Approximately at the state median” means within 2% of it. The median is taken across the 529 county-subdivision records published for ME — it is a median across entity records, not weighted by households or population, and not a median over unique HUD areas, so a HUD area covering several entities counts once per entity record. County subdivisions are only ever compared with other county subdivisions, never with counties.
Which record this page is
The heading on this page names a parent county because another record shares its entity name. That other record is the Aroostook County one, and the pair are not interchangeable. This record's two-bedroom Fair Market Rent of $1,659 is 35.5% above the other's $1,224, and its area median family income of $106,500 is 44.3% above the other's $73,800.
The gap shows in the rankings. Among Maine's 529 town records this one ranks 58th on the two-bedroom figure while the other ranks 459th; on area income they sit 58th and 437th. The four-person Low Income limit here is $85,200 against $73,500 there.
They also sit in different HUD areas: this one in an area covering 14 records, the other in one covering 71. A reader who searched the name and landed on either page has landed on a specific record, and the parent county in the heading identifies which of the pair the page represents.
Rent benchmark vs HUD Median Family Income
- Annualized 2BR FMR
- $19,908
- HUD Median Family Income (annual)
- $106,500
- Annualized 2BR FMR as a share of HUD Median Family Income
- 18.7%
12 × $1,659
This is a ratio between two HUD benchmarks for the Bangor, ME HUD Metro FMR Area area: the annualized two-bedroom Fair Market Rent divided by HUD Median Family Income. It is not a measured rent burden, not the share of income any particular family spends on housing, and not an affordability or eligibility determination.
The parent county identifies the record
- HUD area name
- Bangor, ME HUD Metro FMR Area
- HUD area code
- METRO12620MM0730
- Income limits fiscal year
- FY2026
- Fair Market Rent fiscal year
- FY2026
HUD income limits and Fair Market Rents apply to HUD-defined areas that can cover multiple geographic entities. The values on this page are those assigned to this HUD entity record; entities sharing the same HUD area can have identical figures.
Other county subdivisions in this HUD area
13 other county-subdivision records are assigned to this HUD area.
+ 7 more in this HUD area.
National economic context
The figures below are federal and national. They are not specific to Penobscot Indian Island Re, Penobscot County and do not vary between county subdivisions.
Inflation (official BLS CPI-U national series)
Loading chart…
Fonte Dati: bls.gov — BLS CPI-U CUUR0000SA0
Mostra Dati in Tabella
| Date (YYYY-MM) | Year | Period | Value |
|---|---|---|---|
| 2023-07 | 2023 | M07 | 305.691 |
| 2023-08 | 2023 | M08 | 307.026 |
| 2023-09 | 2023 | M09 | 307.789 |
| 2023-10 | 2023 | M10 | 307.671 |
| 2023-11 | 2023 | M11 | 307.051 |
| 2023-12 | 2023 | M12 | 306.746 |
| 2024-01 | 2024 | M01 | 308.417 |
| 2024-02 | 2024 | M02 | 310.326 |
| 2024-03 | 2024 | M03 | 312.332 |
| 2024-04 | 2024 | M04 | 313.548 |
| 2024-05 | 2024 | M05 | 314.069 |
| 2024-06 | 2024 | M06 | 314.175 |
| 2024-07 | 2024 | M07 | 314.54 |
| 2024-08 | 2024 | M08 | 314.796 |
| 2024-09 | 2024 | M09 | 315.301 |
| 2024-10 | 2024 | M10 | 315.664 |
| 2024-11 | 2024 | M11 | 315.493 |
| 2024-12 | 2024 | M12 | 315.605 |
| 2025-01 | 2025 | M01 | 317.671 |
| 2025-02 | 2025 | M02 | 319.082 |
| 2025-03 | 2025 | M03 | 319.799 |
| 2025-04 | 2025 | M04 | 320.795 |
| 2025-05 | 2025 | M05 | 321.465 |
| 2025-06 | 2025 | M06 | 322.561 |
| 2025-07 | 2025 | M07 | 323.048 |
| 2025-08 | 2025 | M08 | 323.976 |
| 2025-09 | 2025 | M09 | 324.8 |
| 2025-11 | 2025 | M11 | 324.122 |
| 2025-12 | 2025 | M12 | 324.054 |
| 2026-01 | 2026 | M01 | 325.252 |
| 2026-02 | 2026 | M02 | 326.785 |
| 2026-03 | 2026 | M03 | 330.213 |
| 2026-04 | 2026 | M04 | 333.02 |
| 2026-05 | 2026 | M05 | 335.123 |
| 2026-06 | 2026 | M06 | 333.952 |
| 2026-07 | 2026 | M07 | 333.918 |
Purchasing power decision engine
Decision snapshot (server-rendered)
Baseline: HUD Median Family Income adjusted from 2025-07 to 2026-07 using embedded CPI-U monthly series.
- Adjusted income is near the local median and/or purchasing power decreased materially.
- This suggests moderate affordability risk under CPI-U adjustment assumptions.
Purchasing power decision tool (CPI-U monthly)
This module converts an annual income from 2025-07 into its 2026-07 equivalent using the CPI-U series, then compares it to the HUD Median Family Income for Penobscot Indian Island Re, ME.
The baseline is HUD's Median Family Income for the HUD area, not a Census median household income. The CPI-U series is the official BLS CUUR0000SA0 index, unadjusted; months BLS did not publish are left out rather than interpolated.
HUD Median Family Income (annual): $106,500
Decision output
- Adjusted income is near the local median and/or purchasing power decreased materially.
- This suggests moderate affordability risk under CPI-U adjustment assumptions.
Methodology & assumptions (v1.0)
Adjusted income is computed as Income × CPI(to) / CPI(from) using CPI-U monthly index values embedded in this page.
- CPI-U is an aggregate price index for urban consumers; individual consumption patterns may differ.
- No interpolation is applied; both selected months must exist in the dataset.
- HUD Median Family Income is treated as the annual reference benchmark for the applicable HUD area, compared to adjusted annual income.
- This module performs a historical transformation, not a forecast.
IRS reference
Publication 15-T (2026) — Federal Income Tax Withholding Methods. Official IRS publication →
Reference only. GovCalculator does not compute federal income tax withholding. The publication's withholding methods and tables are not ingested or modelled here.
Sources & methodology
HUD income limits and Fair Market Rents are taken from the fiscal-year tables HUD publishes per HUD-defined area — which can include more than one county subdivision — and joined to this county-subdivision record. State comparisons are computed across the 2BR Fair Market Rents of the county-subdivision records in the same state; county subdivisions are never ranked against counties. The median uses the middle value and is not weighted by households or population, rank 1 is the highest rent in the state, and county-subdivision records with identical rents share a rank.
The income figure used throughout this page is HUD's Median Family Income for the HUD area above. It is not a Census median household income and the two are not interchangeable.
The purchasing power module applies a historical CPI ratio: Adjusted = Nominal × CPI(to) / CPI(from). No interpolation is applied and missing months are not imputed; CPI-U is a historical index, not a forecast. The “STABLE” target adds a fixed +10% buffer over the local HUD Median Family Income — that buffer is a GovCalculator heuristic, not a HUD, BLS or IRS determination.
The CPI-U series is the official BLS CUUR0000SA0 index, not seasonally adjusted, taken from the published BLS series: 36 published monthly observations. Months BLS did not publish are not interpolated. IRS Publication 15-T is cited as an official reference only — no federal withholding is calculated anywhere on this site.
Verify eligibility requirements with local program administrators: household size, deductions, and program-specific definitions can materially change outcomes.
FAQ
Which HUD area do the figures for Penobscot Indian Island Re, ME come from?
HUD assigns this county subdivision to the Bangor, ME HUD Metro FMR Area area (code METRO12620MM0730). A HUD area can cover more than one county subdivision, so the area name is not always identical to the county subdivision name.
Which fiscal years are shown on this page?
Income limits are FY2026 and Fair Market Rents are FY2026.
What is the Fair Market Rent (2BR) here?
The two-bedroom Fair Market Rent is $1,659 per month. Fair Market Rents for studio through four-bedroom units are listed in the bedroom table above.
Do the income limits on this page decide whether I qualify?
No. They are the thresholds HUD publishes for this area. Programs apply their own rules, and adjusted-income definitions — deductions, allowances, and which household members count — can change the outcome for a given household.
What does the FMR-to-median-family-income share mean?
It is the annualized two-bedroom Fair Market Rent divided by HUD Median Family Income for the same area, here 18.7%. Both inputs are HUD area benchmarks, so it is not a measured rent burden and not an affordability determination.
How does Penobscot Indian Island Re rank within ME?
Its applicable two-bedroom Fair Market Rent is tied at rank 58 of 529 county-subdivision records in ME, shared with 13 other county-subdivision records at the same rent. Rank 1 is the highest rent in the state, county-subdivision records with identical rents share a rank, and county subdivisions are never ranked against counties. That places it above the state median.
Why is Penobscot Indian Island Re a HUD county subdivision rather than a county?
HUD publishes FY2026 income limits and Fair Market Rents for the six New England states at town/city (county subdivision) level, not county level — there is no county-equivalent HUD record for ME. Penobscot Indian Island Re sits in Penobscot County, a county.
Is the CPI-based purchasing power module a forecast?
No. It is a historical adjustment using CPI-U monthly index values: Adjusted = Income × CPI(to) / CPI(from). It does not predict future inflation.
Does this page calculate federal income tax withholding?
No. GovCalculator does not compute federal withholding anywhere. IRS Publication 15-T is cited as an official reference only; its withholding methods and tables are not ingested or modelled here.
There are Maine pages sharing this name. Which figures apply?
The ones on the page you are reading, identified by its parent county. This page is the Penobscot County record: 2BR FMR $1,659, HUD MFI $106,500, four-person Low Income limit $85,200, taken from an area covering 14 records. The other page is the Aroostook County record: 2BR FMR $1,224, HUD MFI $73,800, four-person Low Income limit $73,500, from an area covering 71 records. This site reports the published figures for each record separately and does not describe what the shared name denotes.
Disclaimer: Estimates are informational and may not reflect every program rule or household adjustment. Always consult official guidance for Penobscot Indian Island Re, Penobscot County, ME.