FY2027 Small Area FMR · Sumner, MI
ZIP 48889 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 48889 (Sumner, MI) is $1,190 a month, up 10.2% from FY2026. That is 1% above the Montcalm County, MI area-wide FMR of $1,181.
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 48889 sits in the Montcalm County, MI area
Of the 26 ZIP codes HUD lists for the area, 48889 has the 14th 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 $1,190 for this ZIP code instead.
ZIP code 48889 crosses more than one HUD area. HUD also lists it under 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 | $850 | $765 – $935 | $822 | $760 |
| 1 bedroom | $920 | $828 – $1,012 | $1,001 | $820 |
| 2 bedrooms | $1,190 | $1,071 – $1,309 | $1,181 | $1,080 |
| 3 bedrooms | $1,570 | $1,413 – $1,727 | $1,450 | $1,440 |
| 4 bedrooms | $1,700 | $1,530 – $1,870 | $1,560 | $1,600 |
A household renting a two-bedroom home at the Small Area FMR of $1,190 needs about $47,600 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 48889 lies mainly in Gratiot County and Montcalm County. See the Montcalm 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 48889?
HUD's FY2027 Small Area Fair Market Rents for 48889 are $850 (studio), $920 (1 BR), $1,190 (2 BR), $1,570 (3 BR) and $1,700 (4 BR) a month.
What is the Section 8 payment standard in 48889?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 48889 that range is $1,071 to $1,309 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 48889?
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.