FY2027 Small Area FMR · Twin Lake, MI

ZIP 49457 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 49457 (Twin Lake, MI) is $1,410 a month, up 11.9% from FY2026. That is 10% above the Muskegon-Norton Shores, MI area-wide FMR of $1,285.

2-bedroom SAFMR$1,410per month ▲ 11.9%

Area-wide 2 BR FMR$1,285Muskegon-Norton Shores, MI

Rank in the area6thof 21 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,269

2 BR Small Area FMR$1,410

110% of SAFMR$1,551

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

Studio$1,030▲ 17.0%

1 BR$1,080▲ 12.5%

2 BR$1,410▲ 11.9%

3 BR$1,680▲ 10.5%

4 BR$1,850▲ 10.8%

FY2027 FY2026

Where 49457 sits in the Muskegon-Norton Shores, MI area

Of the 21 ZIP codes HUD lists for the area, 49457 has the 6th highest two-bedroom Small Area FMR. Muskegon-Norton Shores, 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 $1,285 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,410 for this ZIP code instead.

ZIP code 49457 crosses more than one HUD area. HUD also lists it under Newaygo County, MI (same figures). The figure that applies depends on which side of the line the home is.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,030	$927 – $1,133	$937	$880
1 bedroom	$1,080	$972 – $1,188	$982	$960
2 bedrooms	$1,410	$1,269 – $1,551	$1,285	$1,260
3 bedrooms	$1,680	$1,512 – $1,848	$1,534	$1,520
4 bedrooms	$1,850	$1,665 – $2,035	$1,689	$1,670

A household renting a two-bedroom home at the Small Area FMR of $1,410 needs about $56,400 a year to keep housing costs at 30% of income. The area median family income is $77,500 and the 80% low-income limit for four people is $66,900. ZIP code 49457 lies mainly in Muskegon County and Newaygo County. See the Muskegon-Norton Shores, MI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
49425	Holton	6.0 mi	$1,120
49442	Muskegon	7.6 mi	$1,200
49445	Muskegon	8.5 mi	$1,490
49461	Whitehall	8.9 mi	$1,200
49440	Muskegon	9.6 mi	$1,120
49443	Muskegon	9.6 mi	$1,280

Questions

What is the Fair Market Rent for ZIP code 49457?

HUD's FY2027 Small Area Fair Market Rents for 49457 are $1,030 (studio), $1,080 (1 BR), $1,410 (2 BR), $1,680 (3 BR) and $1,850 (4 BR) a month.

What is the Section 8 payment standard in 49457?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 49457 that range is $1,269 to $1,551 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 49457?

The FY2026 income limits of the Muskegon-Norton Shores, MI area apply: median family income $77,500, low-income (80%) limit $66,900 for a family of four.