FY2027 Small Area FMR · Coldwater, MI

ZIP 49036 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 49036 (Coldwater, MI) is $1,110 a month, up 13.3% from FY2026. That is 2% above the Branch County, MI area-wide FMR of $1,093.

2-bedroom SAFMR$1,110per month ▲ 13.3%

Area-wide 2 BR FMR$1,093Branch County, MI

Rank in the area6thof 14 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$999

2 BR Small Area FMR$1,110

110% of SAFMR$1,221

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

Studio$980▲ 42.0%

1 BR$1,000▲ 17.6%

2 BR$1,110▲ 13.3%

3 BR$1,500▲ 12.8%

4 BR$1,530▲ 14.2%

FY2027 FY2026

Where 49036 sits in the Branch County, MI area

Of the 14 ZIP codes HUD lists for the area, 49036 has the 6th highest two-bedroom Small Area FMR. Branch 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 $1,093 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,110 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	$980	$882 – $1,078	$964	$690
1 bedroom	$1,000	$900 – $1,100	$984	$850
2 bedrooms	$1,110	$999 – $1,221	$1,093	$980
3 bedrooms	$1,500	$1,350 – $1,650	$1,479	$1,330
4 bedrooms	$1,530	$1,377 – $1,683	$1,503	$1,340

A household renting a two-bedroom home at the Small Area FMR of $1,110 needs about $44,400 a year to keep housing costs at 30% of income. The area median family income is $81,800 and the 80% low-income limit for four people is $66,900. ZIP code 49036 lies mainly in Branch County. See the Branch County, MI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
49082	Quincy	8.3 mi	$1,040
49028	Bronson	9.0 mi	$1,050
49094	Union City	10.9 mi	$1,060
49089	Sherwood	12.6 mi	$1,010
49255	Montgomery	13.4 mi	$1,140
49227	Allen	13.6 mi	$1,010

Questions

What is the Fair Market Rent for ZIP code 49036?

HUD's FY2027 Small Area Fair Market Rents for 49036 are $980 (studio), $1,000 (1 BR), $1,110 (2 BR), $1,500 (3 BR) and $1,530 (4 BR) a month.

What is the Section 8 payment standard in 49036?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 49036 that range is $999 to $1,221 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 49036?

The FY2026 income limits of the Branch County, MI area apply: median family income $81,800, low-income (80%) limit $66,900 for a family of four.