FY2027 Small Area FMR · Union Mills, IN
ZIP 46382 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 46382 (Union Mills, IN) is $1,280 a month, up 7.6% from FY2026. That is 3% above the Michigan City-La Porte, IN area-wide FMR of $1,245.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 46382 sits in the Michigan City-La Porte, IN area
Of the 16 ZIP codes HUD lists for the area, 46382 has the 7th highest two-bedroom Small Area FMR. Michigan City-La Porte, IN is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $1,245 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,280 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $980 | $882 – $1,078 | $963 | $890 |
| 1 bedroom | $1,050 | $945 – $1,155 | $1,031 | $970 |
| 2 bedrooms | $1,280 | $1,152 – $1,408 | $1,245 | $1,190 |
| 3 bedrooms | $1,570 | $1,413 – $1,727 | $1,525 | $1,490 |
| 4 bedrooms | $1,840 | $1,656 – $2,024 | $1,762 | $1,760 |
A household renting a two-bedroom home at the Small Area FMR of $1,280 needs about $51,200 a year to keep housing costs at 30% of income. The area median family income is $89,300 and the 80% low-income limit for four people is $71,450. ZIP code 46382 lies mainly in LaPorte County. See the Michigan City-La Porte, IN county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 46382?
HUD's FY2027 Small Area Fair Market Rents for 46382 are $980 (studio), $1,050 (1 BR), $1,280 (2 BR), $1,570 (3 BR) and $1,840 (4 BR) a month.
What is the Section 8 payment standard in 46382?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 46382 that range is $1,152 to $1,408 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 46382?
The FY2026 income limits of the Michigan City-La Porte, IN area apply: median family income $89,300, low-income (80%) limit $71,450 for a family of four.