FY2027 Small Area FMR · Cedar Lake, MI

ZIP 48812 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 48812 (Cedar Lake, MI) is $1,180 a month, down 1.7% from FY2026. That is 0% equal to the Montcalm County, MI area-wide FMR of $1,181.

2-bedroom SAFMR$1,180per month ▼ 1.7%

Area-wide 2 BR FMR$1,181Montcalm County, MI

Rank in the area16thof 26 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,062

2 BR Small Area FMR$1,180

110% of SAFMR$1,298

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

Studio$820▼ 1.2%

1 BR$1,000▼ 1.0%

2 BR$1,180▼ 1.7%

3 BR$1,450▼ 1.4%

4 BR$1,560▼ 1.9%

FY2027 FY2026

Where 48812 sits in the Montcalm County, MI area

Of the 26 ZIP codes HUD lists for the area, 48812 has the 16th highest two-bedroom Small Area FMR. Montcalm 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 $1,181 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,180 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	$820	$738 – $902	$822	$830
1 bedroom	$1,000	$900 – $1,100	$1,001	$1,010
2 bedrooms	$1,180	$1,062 – $1,298	$1,181	$1,200
3 bedrooms	$1,450	$1,305 – $1,595	$1,450	$1,470
4 bedrooms	$1,560	$1,404 – $1,716	$1,560	$1,590

A household renting a two-bedroom home at the Small Area FMR of $1,180 needs about $47,200 a year to keep housing costs at 30% of income. The area median family income is $80,600 and the 80% low-income limit for four people is $66,900. ZIP code 48812 lies mainly in Montcalm County. See the Montcalm County, MI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
48829	Edmore	2.3 mi	$1,090
48891	Vestaburg	3.4 mi	$1,190
48852	Mcbrides	5.6 mi	$1,090
48877	Riverdale	6.8 mi	$1,090
49310	Blanchard	7.8 mi	$1,290
48896	Winn	8.3 mi	$1,070

Questions

What is the Fair Market Rent for ZIP code 48812?

HUD's FY2027 Small Area Fair Market Rents for 48812 are $820 (studio), $1,000 (1 BR), $1,180 (2 BR), $1,450 (3 BR) and $1,560 (4 BR) a month.

What is the Section 8 payment standard in 48812?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 48812 that range is $1,062 to $1,298 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 48812?

The FY2026 income limits of the Montcalm County, MI area apply: median family income $80,600, low-income (80%) limit $66,900 for a family of four.