FY2027 Small Area FMR · Bentley, MI
ZIP 48613 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 48613 (Bentley, MI) is $1,350 a month, up 3.8% from FY2026. That is 28% above the Bay City, MI area-wide FMR of $1,055.
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 48613 sits in the Bay City, MI area
Of the 18 ZIP codes HUD lists for the area, 48613 has the 3rd highest two-bedroom Small Area FMR. Bay City, 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 $1,055 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,350 for this ZIP code instead.
ZIP code 48613 crosses more than one HUD area. HUD also lists it under Arenac County, MI (same figures) and Gladwin County, MI (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,050 | $945 – $1,155 | $830 | $1,000 |
| 1 bedroom | $1,060 | $954 – $1,166 | $835 | $1,020 |
| 2 bedrooms | $1,350 | $1,215 – $1,485 | $1,055 | $1,300 |
| 3 bedrooms | $1,840 | $1,656 – $2,024 | $1,429 | $1,770 |
| 4 bedrooms | $1,990 | $1,791 – $2,189 | $1,537 | $1,940 |
A household renting a two-bedroom home at the Small Area FMR of $1,350 needs about $54,000 a year to keep housing costs at 30% of income. The area median family income is $89,900 and the 80% low-income limit for four people is $71,900. ZIP code 48613 lies mainly in Bay County and Gladwin County. See the Bay City, MI 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 48613?
HUD's FY2027 Small Area Fair Market Rents for 48613 are $1,050 (studio), $1,060 (1 BR), $1,350 (2 BR), $1,840 (3 BR) and $1,990 (4 BR) a month.
What is the Section 8 payment standard in 48613?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 48613 that range is $1,215 to $1,485 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 48613?
The FY2026 income limits of the Bay City, MI area apply: median family income $89,900, low-income (80%) limit $71,900 for a family of four.