FY2027 Small Area FMR · Union, MI

ZIP 49130 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 49130 (Union, MI) is $1,010 a month, up 4.1% from FY2026. That is 8% below the Cass County, MI area-wide FMR of $1,095.

2-bedroom SAFMR$1,010per month ▲ 4.1%

Area-wide 2 BR FMR$1,095Cass County, MI

Rank in the area14thof 15 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$909

2 BR Small Area FMR$1,010

110% of SAFMR$1,111

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

Studio$800▲ 5.3%

1 BR$900▲ 1.1%

2 BR$1,010▲ 4.1%

3 BR$1,300▲ 4.0%

4 BR$1,700▲ 3.7%

FY2027 FY2026

Where 49130 sits in the Cass County, MI area

Of the 15 ZIP codes HUD lists for the area, 49130 has the 14th 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 $1,010 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	$800	$720 – $880	$869	$760
1 bedroom	$900	$810 – $990	$974	$890
2 bedrooms	$1,010	$909 – $1,111	$1,095	$970
3 bedrooms	$1,300	$1,170 – $1,430	$1,393	$1,250
4 bedrooms	$1,700	$1,530 – $1,870	$1,830	$1,640

A household renting a two-bedroom home at the Small Area FMR of $1,010 needs about $40,400 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 49130 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

ZIP	Place	Distance	2 BR SAFMR
46507	Bristol	4.3 mi	$1,280
46514	Elkhart	7.0 mi	$1,320
49061	Jones	7.2 mi	$1,160
46516	Elkhart	8.0 mi	$1,230
49112	Edwardsburg	8.9 mi	$1,170
49095	Vandalia	9.6 mi	$1,300

Questions

What is the Fair Market Rent for ZIP code 49130?

HUD's FY2027 Small Area Fair Market Rents for 49130 are $800 (studio), $900 (1 BR), $1,010 (2 BR), $1,300 (3 BR) and $1,700 (4 BR) a month.

What is the Section 8 payment standard in 49130?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 49130 that range is $909 to $1,111 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 49130?

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.