FY2027 Small Area FMR · University Center, MI

ZIP 48710 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 48710 (University Center, MI) is $1,060 a month, up 2.9% from FY2026. That is 0% equal to the Bay City, MI area-wide FMR of $1,055.

2-bedroom SAFMR$1,060per month ▲ 2.9%

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

Rank in the area11thof 18 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$954

2 BR Small Area FMR$1,060

110% of SAFMR$1,166

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

Studio$830▲ 2.5%

1 BR$840▲ 3.7%

2 BR$1,060▲ 2.9%

3 BR$1,440▲ 2.9%

4 BR$1,540▲ 1.3%

FY2027 FY2026

Where 48710 sits in the Bay City, MI area

Of the 18 ZIP codes HUD lists for the area, 48710 has the 11th 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 $1,060 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	$830	$747 – $913	$830	$810
1 bedroom	$840	$756 – $924	$835	$810
2 bedrooms	$1,060	$954 – $1,166	$1,055	$1,030
3 bedrooms	$1,440	$1,296 – $1,584	$1,429	$1,400
4 bedrooms	$1,540	$1,386 – $1,694	$1,537	$1,520

A household renting a two-bedroom home at the Small Area FMR of $1,060 needs about $42,400 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 48710 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
48706	Bay City	3.5 mi	$1,090
48604	Saginaw	4.0 mi	$1,260
48708	Bay City	6.9 mi	$1,010
48603	Saginaw	7.1 mi	$1,250
48724	Carrollton	7.5 mi	$1,210
48611	Auburn	7.7 mi	$1,050

Questions

What is the Fair Market Rent for ZIP code 48710?

HUD's FY2027 Small Area Fair Market Rents for 48710 are $830 (studio), $840 (1 BR), $1,060 (2 BR), $1,440 (3 BR) and $1,540 (4 BR) a month.

What is the Section 8 payment standard in 48710?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 48710 that range is $954 to $1,166 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 48710?

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.