FY2027 Small Area FMR · Arcadia, MI
ZIP 49613 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 49613 (Arcadia, MI) is $1,200 a month, up 10.1% from FY2026. That is 3% below the Benzie County, MI area-wide FMR of $1,234.
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 49613 sits in the Benzie County, MI area
Of the 12 ZIP codes HUD lists for the area, 49613 has the 8th highest two-bedroom Small Area FMR. Benzie 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 $1,234 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,200 for this ZIP code instead.
ZIP code 49613 crosses more than one HUD area. HUD also lists it under Manistee County, MI (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $880 | $792 – $968 | $937 | $780 |
| 1 bedroom | $920 | $828 – $1,012 | $943 | $830 |
| 2 bedrooms | $1,200 | $1,080 – $1,320 | $1,234 | $1,090 |
| 3 bedrooms | $1,550 | $1,395 – $1,705 | $1,635 | $1,390 |
| 4 bedrooms | $1,680 | $1,512 – $1,848 | $1,874 | $1,460 |
A household renting a two-bedroom home at the Small Area FMR of $1,200 needs about $48,000 a year to keep housing costs at 30% of income. The area median family income is $95,500 and the 80% low-income limit for four people is $76,400. ZIP code 49613 lies mainly in Manistee County and Benzie County. See the Benzie 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 49613?
HUD's FY2027 Small Area Fair Market Rents for 49613 are $880 (studio), $920 (1 BR), $1,200 (2 BR), $1,550 (3 BR) and $1,680 (4 BR) a month.
What is the Section 8 payment standard in 49613?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 49613 that range is $1,080 to $1,320 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 49613?
The FY2026 income limits of the Benzie County, MI area apply: median family income $95,500, low-income (80%) limit $76,400 for a family of four.