48040
ZIPSAFMR
St. Clair County, MI
BRFMR
Eff. Rent
0 BR$840$840
1 BR$930$930
2 BR$1,170$1,170
3 BR$1,430$1,280
4 BR$1,550$1,520
5 BR$1,782
6 BR$2,050
7 BR$2,357
8 BR$2,711

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio
0.76ratio
FMR$840
Market$1,100
vs market-$260

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.76
1 BR
1 BR
0.86ratio
FMR$930
Market$1,080
vs market-$150

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.86
2 BR
2 BR
0.99ratio
FMR$1,170
Market$1,180
vs market-$10

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.99
3 BR
3 BR
1.12ratio
FMR$1,430
Market$1,280
vs market+$150

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.12
4 BR
4 BR
1.02ratio
FMR$1,550
Market$1,520
vs market+$30

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.02
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$111,945
Rent
$1,170
Down payment
$22,389
Loan
$89,556
Mortgage
$566
Expenses
$404
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 48040 (MI) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.