Most of Portland is in Cumberland County, where a full-time job needs to pay at least $55.23 an hour before taxes to take home four times the typical studio rent.
Across the 6 ZIP codes in Portland with HUD rent figures, studio rents run from $1,630 to $1,840 a month. At the middle rent, $1,645, a full-time job would need to pay $56.66 an hour before taxes.
What the standard would be at each ZIP code's own studio rent. The calculator and the official standard use the county figure.
| ZIP | County | Studio rent | Pay needed |
|---|---|---|---|
| 04101 | Cumberland County | $1,690/mo | $58.50/hr |
| 04102 | Cumberland County | $1,630/mo | $56.05/hr |
| 04103 | Cumberland County | $1,660/mo | $57.27/hr |
| 04104 | Cumberland County | $1,630/mo | $56.05/hr |
| 04109 | Cumberland County | $1,840/mo | $64.67/hr |
| 04112 | Cumberland County | $1,630/mo | $56.05/hr |
Under the Four Times Rent standard, a full-time job in Portland needs to pay at least $55.23 an hour before taxes, about $114,879 a year. That is the figure for Cumberland County, where the typical studio rent is $1,610 a month.
Yes. Across the 6 ZIP codes in Portland with HUD rent figures, studio rents run from $1,630 to $1,840 a month. At the middle rent of $1,645, the pay needed would be $56.66 an hour.
The minimum wage in Cumberland County is $15.10 an hour. The Four Times Rent standard there is 3.7 times that.
The Four Times Rent standard: a month of full-time work (160 hours) should take home at least four times the typical rent on a studio apartment in the county where the work is done. Rents: HUD FY2027 Fair Market Rents. Taxes: 2026 federal and state income taxes plus Social Security and Medicare, for a single filer. Why four times rent? · Method and data downloads