FY2027 Small Area FMR · Smiths Creek, MI

ZIP 48074 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 48074 (Smiths Creek, MI) is $1,410 a month, up 2.9% from FY2026. That is 3% below the Detroit-Warren-Livonia, MI area-wide FMR of $1,459.

2-bedroom SAFMR$1,410per month ▲ 2.9%

Area-wide 2 BR FMR$1,459Detroit-Warren-Livonia, MI

Rank in the area138thof 250 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,269

2 BR Small Area FMR$1,410

110% of SAFMR$1,551

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

Studio$1,010▲ 3.1%

1 BR$1,130▲ 3.7%

2 BR$1,410▲ 2.9%

3 BR$1,720▲ 3.0%

4 BR$1,860▲ 2.8%

FY2027 FY2026

Where 48074 sits in the Detroit-Warren-Livonia, MI area

Of the 250 ZIP codes HUD lists for the area, 48074 has the 138th highest two-bedroom Small Area FMR. Detroit-Warren-Livonia, MI is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2023), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,269 and $1,551 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,010	$909 – $1,111	$1,047	$980
1 bedroom	$1,130	$1,017 – $1,243	$1,167	$1,090
2 bedrooms	$1,410	$1,269 – $1,551	$1,459	$1,370
3 bedrooms	$1,720	$1,548 – $1,892	$1,777	$1,670
4 bedrooms	$1,860	$1,674 – $2,046	$1,929	$1,810

A household renting a two-bedroom home at the Small Area FMR of $1,410 needs about $56,400 a year to keep housing costs at 30% of income. The area median family income is $104,800 and the 80% low-income limit for four people is $83,850. ZIP code 48074 lies mainly in St. Clair County. See the Detroit-Warren-Livonia, MI metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
48040	Marysville	4.9 mi	$1,200
48060	Port Huron	5.5 mi	$1,230
48049	North Street	6.3 mi	$1,320
48079	Saint Clair	6.3 mi	$1,410
48027	Goodells	6.7 mi	$1,030
48063	Columbus	8.8 mi	$1,480

Questions

What is the Fair Market Rent for ZIP code 48074?

HUD's FY2027 Small Area Fair Market Rents for 48074 are $1,010 (studio), $1,130 (1 BR), $1,410 (2 BR), $1,720 (3 BR) and $1,860 (4 BR) a month.

What is the Section 8 payment standard in 48074?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 48074 that range is $1,269 to $1,551 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 48074?

The FY2026 income limits of the Detroit-Warren-Livonia, MI area apply: median family income $104,800, low-income (80%) limit $83,850 for a family of four.