FY2027 Small Area FMR · Charlotte, MI
ZIP 48813 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 48813 (Charlotte, MI) is $1,170 a month, up 6.4% from FY2026. That is 5% below the Battle Creek, MI area-wide FMR of $1,233.
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 48813 sits in the Battle Creek, MI area
Of the 23 ZIP codes HUD lists for the area, 48813 has the 11th highest two-bedroom Small Area FMR. Battle Creek, 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 $1,233 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,170 for this ZIP code instead.
ZIP code 48813 crosses more than one HUD area. HUD also lists it under Lansing-East Lansing, 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 | $920 | $828 – $1,012 | $863 | $840 |
| 1 bedroom | $930 | $837 – $1,023 | $1,032 | $880 |
| 2 bedrooms | $1,170 | $1,053 – $1,287 | $1,233 | $1,100 |
| 3 bedrooms | $1,490 | $1,341 – $1,639 | $1,469 | $1,410 |
| 4 bedrooms | $1,540 | $1,386 – $1,694 | $1,653 | $1,460 |
A household renting a two-bedroom home at the Small Area FMR of $1,170 needs about $46,800 a year to keep housing costs at 30% of income. The area median family income is $80,700 and the 80% low-income limit for four people is $66,900. ZIP code 48813 lies mainly in Eaton County and Calhoun County. See the Battle Creek, 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 48813?
HUD's FY2027 Small Area Fair Market Rents for 48813 are $920 (studio), $930 (1 BR), $1,170 (2 BR), $1,490 (3 BR) and $1,540 (4 BR) a month.
What is the Section 8 payment standard in 48813?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 48813 that range is $1,053 to $1,287 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 48813?
The FY2026 income limits of the Battle Creek, MI area apply: median family income $80,700, low-income (80%) limit $66,900 for a family of four.