FY2027 Small Area FMR · Sturgis, MI

ZIP 49091 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 49091 (Sturgis, MI) is $1,080 a month, up 1.9% from FY2026. That is 3% above the St. Joseph County, MI area-wide FMR of $1,046.

2-bedroom SAFMR$1,080per month ▲ 1.9%

Area-wide 2 BR FMR$1,046St. Joseph County, MI

Rank in the area7thof 15 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$972

2 BR Small Area FMR$1,080

110% of SAFMR$1,188

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

Studio$780▲ 4.0%

1 BR$830▲ 2.5%

2 BR$1,080▲ 1.9%

3 BR$1,430▼ 0.7%

4 BR$1,510▼ 1.9%

FY2027 FY2026

Where 49091 sits in the St. Joseph County, MI area

Of the 15 ZIP codes HUD lists for the area, 49091 has the 7th highest two-bedroom Small Area FMR. St. Joseph 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 $1,046 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,080 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	$780	$702 – $858	$752	$750
1 bedroom	$830	$747 – $913	$800	$810
2 bedrooms	$1,080	$972 – $1,188	$1,046	$1,060
3 bedrooms	$1,430	$1,287 – $1,573	$1,382	$1,440
4 bedrooms	$1,510	$1,359 – $1,661	$1,461	$1,540

A household renting a two-bedroom home at the Small Area FMR of $1,080 needs about $43,200 a year to keep housing costs at 30% of income. The area median family income is $85,900 and the 80% low-income limit for four people is $68,700. ZIP code 49091 lies mainly in St. Joseph County. See the St. Joseph County, MI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
49030	Burr Oak	6.9 mi	$1,140
49075	Nottawa	6.9 mi	$1,080
49032	Centreville	7.3 mi	$1,010
46746	Howe	8.6 mi	$1,060
46565	Shipshewana	10.6 mi	$1,070
49099	White Pigeon	11.3 mi	$1,120

Questions

What is the Fair Market Rent for ZIP code 49091?

HUD's FY2027 Small Area Fair Market Rents for 49091 are $780 (studio), $830 (1 BR), $1,080 (2 BR), $1,430 (3 BR) and $1,510 (4 BR) a month.

What is the Section 8 payment standard in 49091?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 49091 that range is $972 to $1,188 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 49091?

The FY2026 income limits of the St. Joseph County, MI area apply: median family income $85,900, low-income (80%) limit $68,700 for a family of four.