FY2027 Small Area FMR · Vandalia, MI
ZIP 49095 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 49095 (Vandalia, MI) is $1,300 a month, up 10.2% from FY2026. That is 19% above the Cass County, MI area-wide FMR of $1,095.
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 49095 sits in the Cass County, MI area
Of the 15 ZIP codes HUD lists for the area, 49095 has the 1st highest two-bedroom Small Area FMR. Cass 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 $1,095 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,300 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,030 | $927 – $1,133 | $869 | $920 |
| 1 bedroom | $1,160 | $1,044 – $1,276 | $974 | $1,080 |
| 2 bedrooms | $1,300 | $1,170 – $1,430 | $1,095 | $1,180 |
| 3 bedrooms | $1,650 | $1,485 – $1,815 | $1,393 | $1,510 |
| 4 bedrooms | $2,170 | $1,953 – $2,387 | $1,830 | $1,980 |
A household renting a two-bedroom home at the Small Area FMR of $1,300 needs about $52,000 a year to keep housing costs at 30% of income. The area median family income is $89,800 and the 80% low-income limit for four people is $71,850. ZIP code 49095 lies mainly in Cass County. See the Cass 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 49095?
HUD's FY2027 Small Area Fair Market Rents for 49095 are $1,030 (studio), $1,160 (1 BR), $1,300 (2 BR), $1,650 (3 BR) and $2,170 (4 BR) a month.
What is the Section 8 payment standard in 49095?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 49095 that range is $1,170 to $1,430 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 49095?
The FY2026 income limits of the Cass County, MI area apply: median family income $89,800, low-income (80%) limit $71,850 for a family of four.