FY2027 Small Area FMR · Ann Arbor, MI

ZIP 48109 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 48109 (Ann Arbor, MI) is $2,110 a month, up 31.1% from FY2026. That is 17% above the Ann Arbor, MI area-wide FMR of $1,804.

2-bedroom SAFMR$2,110per month ▲ 31.1%

Area-wide 2 BR FMR$1,804Ann Arbor, MI

Rank in the area5thof 33 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,899

2 BR Small Area FMR$2,110

110% of SAFMR$2,321

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

Studio$1,700▲ 27.8%

1 BR$1,750▲ 29.6%

2 BR$2,110▲ 31.1%

3 BR$2,530▲ 31.1%

4 BR$2,770▲ 30.0%

FY2027 FY2026

Where 48109 sits in the Ann Arbor, MI area

Of the 33 ZIP codes HUD lists for the area, 48109 has the 5th highest two-bedroom Small Area FMR. Ann Arbor, MI 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 $1,804 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,110 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	$1,700	$1,530 – $1,870	$1,458	$1,330
1 bedroom	$1,750	$1,575 – $1,925	$1,503	$1,350
2 bedrooms	$2,110	$1,899 – $2,321	$1,804	$1,610
3 bedrooms	$2,530	$2,277 – $2,783	$2,164	$1,930
4 bedrooms	$2,770	$2,493 – $3,047	$2,371	$2,130

A household renting a two-bedroom home at the Small Area FMR of $2,110 needs about $84,400 a year to keep housing costs at 30% of income. The area median family income is $142,300 and the 80% low-income limit for four people is $106,800. ZIP code 48109 lies mainly in Washtenaw County. See the Ann Arbor, MI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
48104	Ann Arbor	1.8 mi	$2,140
48105	Ann Arbor	2.7 mi	$2,070
48108	Ann Arbor	4.8 mi	$1,730
48198	Ypsilanti	6.3 mi	$1,510
48103	Ann Arbor	7.3 mi	$2,260
48197	Ypsilanti	7.5 mi	$1,630

Questions

What is the Fair Market Rent for ZIP code 48109?

HUD's FY2027 Small Area Fair Market Rents for 48109 are $1,700 (studio), $1,750 (1 BR), $2,110 (2 BR), $2,530 (3 BR) and $2,770 (4 BR) a month.

What is the Section 8 payment standard in 48109?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 48109 that range is $1,899 to $2,321 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 48109?

The FY2026 income limits of the Ann Arbor, MI area apply: median family income $142,300, low-income (80%) limit $106,800 for a family of four.