Income Limits by County

FY2027 Small Area FMR · Lupton, MI

ZIP 48635 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 48635 (Lupton, MI) is $1,050 a month, up 1.0% from FY2026. That is 2% above the Ogemaw County, MI area-wide FMR of $1,033.

2-bedroom SAFMR$1,050per month ▲ 1.0%
Area-wide 2 BR FMR$1,033Ogemaw County, MI
Rank in the area5thof 10 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$945
2 BR Small Area FMR$1,050
110% of SAFMR$1,155

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

FY2027 FY2026

Where 48635 sits in the Ogemaw County, MI area

$1,010$1,230median $1,045

Of the 10 ZIP codes HUD lists for the area, 48635 has the 5th highest two-bedroom Small Area FMR. Ogemaw County, 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 $1,033 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,050 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
UnitFY2027 SAFMRPayment standard rangeArea-wide FMRFY2026 SAFMR
Studio$790$711 – $869$737$720
1 bedroom$880$792 – $968$841$890
2 bedrooms$1,050$945 – $1,155$1,033$1,040
3 bedrooms$1,310$1,179 – $1,441$1,231$1,250
4 bedrooms$1,490$1,341 – $1,639$1,358$1,380

A household renting a two-bedroom home at the Small Area FMR of $1,050 needs about $42,000 a year to keep housing costs at 30% of income. The area median family income is $71,500 and the 80% low-income limit for four people is $66,900. ZIP code 48635 lies mainly in Ogemaw County. See the Ogemaw County, MI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIPPlaceDistance2 BR SAFMR
48739Hale7.5 mi$1,140
48743Long Lake7.5 mi$1,140
48654Rose City8.6 mi$1,010
48761South Branch9.9 mi$1,060
48756Prescott10.6 mi$1,040
48661West Branch12.8 mi$1,040

Questions

What is the Fair Market Rent for ZIP code 48635?

HUD's FY2027 Small Area Fair Market Rents for 48635 are $790 (studio), $880 (1 BR), $1,050 (2 BR), $1,310 (3 BR) and $1,490 (4 BR) a month.

What is the Section 8 payment standard in 48635?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 48635 that range is $945 to $1,155 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 48635?

The FY2026 income limits of the Ogemaw County, MI area apply: median family income $71,500, low-income (80%) limit $66,900 for a family of four.