FY2027 Small Area FMR · Hubbardston, MI
ZIP 48845 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 48845 (Hubbardston, MI) is $1,150 a month, up 8.5% from FY2026. That is 7% below the Ionia County, MI area-wide FMR of $1,238.
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 48845 sits in the Ionia County, MI area
Of the 21 ZIP codes HUD lists for the area, 48845 has the 16th highest two-bedroom Small Area FMR. Ionia 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 $1,238 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,150 for this ZIP code instead.
ZIP code 48845 crosses more than one HUD area. HUD also lists it under Montcalm County, MI (same figures), Lansing-East Lansing, MI (same figures) and Gratiot County, 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 | $880 | $792 – $968 | $862 | $790 |
| 1 bedroom | $920 | $828 – $1,012 | $946 | $820 |
| 2 bedrooms | $1,150 | $1,035 – $1,265 | $1,238 | $1,060 |
| 3 bedrooms | $1,470 | $1,323 – $1,617 | $1,579 | $1,320 |
| 4 bedrooms | $1,740 | $1,566 – $1,914 | $1,930 | $1,600 |
A household renting a two-bedroom home at the Small Area FMR of $1,150 needs about $46,000 a year to keep housing costs at 30% of income. The area median family income is $98,700 and the 80% low-income limit for four people is $73,300. ZIP code 48845 lies mainly in Ionia County, Clinton County and Montcalm County. See the Ionia County, 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 48845?
HUD's FY2027 Small Area Fair Market Rents for 48845 are $880 (studio), $920 (1 BR), $1,150 (2 BR), $1,470 (3 BR) and $1,740 (4 BR) a month.
What is the Section 8 payment standard in 48845?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 48845 that range is $1,035 to $1,265 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 48845?
The FY2026 income limits of the Ionia County, MI area apply: median family income $98,700, low-income (80%) limit $73,300 for a family of four.