FY2027 Small Area FMR · Kawkawlin, MI

ZIP 48631 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 48631 (Kawkawlin, MI) is $1,010 a month, up 2.0% from FY2026. That is 4% below the Bay City, MI area-wide FMR of $1,055.

2-bedroom SAFMR$1,010per month ▲ 2.0%

Area-wide 2 BR FMR$1,055Bay City, MI

Rank in the area15thof 18 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$800▲ 2.6%

1 BR$800▲ 2.6%

2 BR$1,010▲ 2.0%

3 BR$1,380▲ 3.0%

4 BR$1,490▲ 2.1%

FY2027 FY2026

Where 48631 sits in the Bay City, MI area

Of the 18 ZIP codes HUD lists for the area, 48631 has the 15th 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 $1,010 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	$800	$720 – $880	$830	$780
1 bedroom	$800	$720 – $880	$835	$780
2 bedrooms	$1,010	$909 – $1,111	$1,055	$990
3 bedrooms	$1,380	$1,242 – $1,518	$1,429	$1,340
4 bedrooms	$1,490	$1,341 – $1,639	$1,537	$1,460

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 $89,900 and the 80% low-income limit for four people is $71,900. ZIP code 48631 lies mainly in Bay County. See the Bay City, MI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
48634	Linwood	5.1 mi	$1,080
48611	Auburn	6.3 mi	$1,050
48706	Bay City	6.6 mi	$1,090
48710	University Center	9.1 mi	$1,060
48650	Pinconning	11.1 mi	$1,010
48732	Essexville	11.6 mi	$1,020

Questions

What is the Fair Market Rent for ZIP code 48631?

HUD's FY2027 Small Area Fair Market Rents for 48631 are $800 (studio), $800 (1 BR), $1,010 (2 BR), $1,380 (3 BR) and $1,490 (4 BR) a month.

What is the Section 8 payment standard in 48631?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 48631 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 48631?

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.