FY2027 Small Area FMR · Saint Joe, IN

ZIP 46785 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 46785 (Saint Joe, IN) is $1,010 a month, up 5.2% from FY2026. That is 1% below the DeKalb County, IN area-wide FMR of $1,023.

2-bedroom SAFMR$1,010per month ▲ 5.2%

Area-wide 2 BR FMR$1,023DeKalb County, IN

Rank in the area10thof 15 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$909

2 BR Small Area FMR$1,010

110% of SAFMR$1,111

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$760▲ 10.1%

1 BR$810▲ 11.0%

2 BR$1,010▲ 5.2%

3 BR$1,260▲ 5.9%

4 BR$1,340▲ 5.5%

FY2027 FY2026

Where 46785 sits in the DeKalb County, IN area

Of the 15 ZIP codes HUD lists for the area, 46785 has the 10th highest two-bedroom Small Area FMR. DeKalb County, 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 $1,023 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,010 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$760	$684 – $836	$765	$690
1 bedroom	$810	$729 – $891	$814	$730
2 bedrooms	$1,010	$909 – $1,111	$1,023	$960
3 bedrooms	$1,260	$1,134 – $1,386	$1,270	$1,190
4 bedrooms	$1,340	$1,206 – $1,474	$1,344	$1,270

A household renting a two-bedroom home at the Small Area FMR of $1,010 needs about $40,400 a year to keep housing costs at 30% of income. The area median family income is $92,000 and the 80% low-income limit for four people is $73,600. ZIP code 46785 lies mainly in DeKalb County. See the DeKalb County, IN county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
46788	Spencerville	3.8 mi	$1,290
46721	Butler	6.9 mi	$1,010
46743	Harlan	7.6 mi	$1,240
43526	Hicksville	7.9 mi	$1,000
46706	Auburn	8.1 mi	$1,040
46741	Grabill	8.3 mi	$1,650

Questions

What is the Fair Market Rent for ZIP code 46785?

HUD's FY2027 Small Area Fair Market Rents for 46785 are $760 (studio), $810 (1 BR), $1,010 (2 BR), $1,260 (3 BR) and $1,340 (4 BR) a month.

What is the Section 8 payment standard in 46785?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 46785 that range is $909 to $1,111 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 46785?

The FY2026 income limits of the DeKalb County, IN area apply: median family income $92,000, low-income (80%) limit $73,600 for a family of four.