Income Limits by County

HUD Metro FMR Area · 3 counties

Gary, IN Fair Market Rent & Income Limits

For FY2027 HUD set the two-bedroom Fair Market Rent for the Gary, IN area at $1,429 a month, up 8.5% from FY2026. The FY2026 median family income is $100,900. The same figures apply in all 3 counties of the area.

2-bedroom FMR$1,429per month ▲ 8.5%
Median family income$100,900FY2026
People in the area689,119HUD file, 2024

Fair Market Rent by unit size

FY2027 FY2026

Check your household

Enter your household size and total yearly income before taxes to see which HUD income category it falls in for Gary, IN.

Low income (80% limit)

A household of 4 earning $78,700 is under the 80% limit of $80,700 for this area. At 30% of income it could pay about $1,968 a month for rent and utilities.

This is a quick comparison with HUD's published limits, not an eligibility decision. Programs count income in their own ways and many have waiting lists; the local housing agency or property decides.

Income limits

FY2026 income limits by household size (yearly gross income)
PeopleExtremely low30% / povertyVery low50%60% (LIHTC)MTSPLow income80%
1$21,200$35,350$42,420$56,500
2$24,200$40,400$48,480$64,600
3$27,320$45,450$54,540$72,650
4$33,000$50,450$60,540$80,700
5$38,680$54,500$65,400$87,200
6$44,360$58,550$70,260$93,650
7$50,040$62,600$75,120$100,100
8$55,720$66,600$79,920$106,550

Two-bedroom FMR since 2001

2-bedroom Fair Market Rent, 2001 to 2027$0$400$800$1,200$1,600$2,000200520102015202020252027$1,429FY2001: $656FY2002: $700FY2003: $721FY2004: $732FY2005: $716FY2006: $727FY2007: $755FY2008: $745FY2009: $807FY2010: $816FY2011: $815FY2012: $818FY2013: $792FY2014: $803FY2015: $805FY2016: $867FY2017: $864FY2018: $906FY2019: $919FY2020: $917FY2021: $923FY2022: $959FY2023: $1,000FY2024: $1,254FY2025: $1,197FY2026: $1,317FY2027: $1,429

Counties in the area

CountyPeople2 BR FMR
Lake County, IN500,379$1,429
Porter County, IN174,818$1,429
Newton County, IN13,922$1,429

Small Area FMRs across 59 ZIP codes

Two-bedroom Small Area FMRs in the Gary, IN area run from $1,010 to $2,020; the middle ZIP code is at $1,420, against the area-wide FMR of $1,429. This is a mandatory Small Area FMR area (designated 2016, in force since 4/1/2018): voucher payment standards follow the ZIP-code figures.

$1,010$2,020median $1,420

Highest ZIP codes

46301 (Beverly Shores, IN)$2,020
46321 (Munster, IN)$1,880
46410 (Merrillville, IN)$1,760
46307 (Crown Point, IN)$1,650
46375 (Schererville, IN)$1,610
46390 (Wanatah, IN)$1,600
46385 (Valparaiso, IN)$1,590
46303 (Cedar Lake, IN)$1,580

Lowest ZIP codes

47948 (Goodland, IN)$1,010
47942 (Earl Park, IN)$1,010
47963 (Morocco, IN)$1,070
47951 (Kentland, IN)$1,070
47964 (Mount Ayr, IN)$1,120
46347 (Kouts, IN)$1,130
46312 (East Chicago, IN)$1,140
46407 (Gary, IN)$1,150

Questions

What is the Fair Market Rent in the Gary, IN area?

HUD's FY2027 Fair Market Rents for the Gary, IN area are $1,117 (studio), $1,176 (1 BR), $1,429 (2 BR), $1,739 (3 BR) and $1,898 (4 BR) a month.

What is the area median income for Gary, IN?

The FY2026 median family income is $100,900; the 80% low-income limit for four people is $80,700.

Which counties are in this HUD metro area?

Lake County, IN, Porter County, IN and Newton County, IN.