49097
ZIPSAFMR
St. Joseph County, MI
BRFMR
Eff. Rent
0 BR$750$750
1 BR$900$900
2 BR$1,070$1,070
3 BR$1,410$1,410
4 BR$1,510$1,510
5 BR$1,736
6 BR$1,997
7 BR$2,297
8 BR$2,641

Market Alignment

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

Studio
Studio
0.56ratio
FMR$750
Market$1,340
vs market-$590

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

0.56
1 BR
1 BR
0.75ratio
FMR$900
Market$1,200
vs market-$300

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

0.75
2 BR
2 BR
0.58ratio
FMR$1,070
Market$1,850
vs market-$780

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

0.58
3 BR
3 BR
0.69ratio
FMR$1,410
Market$2,030
vs market-$620

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

0.69
4 BR
4 BR
0.71ratio
FMR$1,510
Market$2,130
vs market-$620

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

0.71
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$97,085
Rent
$1,070
Down payment
$19,417
Loan
$77,668
Mortgage
$491
Expenses
$379
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 49097 (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.