FY2027 Small Area FMR · Kaleva, MI

ZIP 49645 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 49645 (Kaleva, MI) is $1,140 a month, up 3.6% from FY2026. That is 7% above the Manistee County, MI area-wide FMR of $1,067.

2-bedroom SAFMR$1,140per month ▲ 3.6%

Area-wide 2 BR FMR$1,067Manistee County, MI

Rank in the area8thof 16 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,026

2 BR Small Area FMR$1,140

110% of SAFMR$1,254

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

Studio$810▲ 3.8%

1 BR$880▲ 4.8%

2 BR$1,140▲ 3.6%

3 BR$1,450▲ 3.6%

4 BR$1,500▲ 2.7%

FY2027 FY2026

Where 49645 sits in the Manistee County, MI area

Of the 16 ZIP codes HUD lists for the area, 49645 has the 8th highest two-bedroom Small Area FMR. Manistee 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 $1,067 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,140 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	$810	$729 – $891	$761	$780
1 bedroom	$880	$792 – $968	$822	$840
2 bedrooms	$1,140	$1,026 – $1,254	$1,067	$1,100
3 bedrooms	$1,450	$1,305 – $1,595	$1,360	$1,400
4 bedrooms	$1,500	$1,350 – $1,650	$1,402	$1,460

A household renting a two-bedroom home at the Small Area FMR of $1,140 needs about $45,600 a year to keep housing costs at 30% of income. The area median family income is $85,500 and the 80% low-income limit for four people is $68,400. ZIP code 49645 lies mainly in Manistee County. See the Manistee County, MI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
49619	Brethren	5.1 mi	$1,520
49614	Bear Lake	6.6 mi	$1,270
49625	Copemish	8.7 mi	$1,070
49675	Onekama	9.8 mi	$1,010
49689	Wellston	12.0 mi	$1,010
49660	Manistee	13.0 mi	$1,050

Questions

What is the Fair Market Rent for ZIP code 49645?

HUD's FY2027 Small Area Fair Market Rents for 49645 are $810 (studio), $880 (1 BR), $1,140 (2 BR), $1,450 (3 BR) and $1,500 (4 BR) a month.

What is the Section 8 payment standard in 49645?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 49645 that range is $1,026 to $1,254 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 49645?

The FY2026 income limits of the Manistee County, MI area apply: median family income $85,500, low-income (80%) limit $68,400 for a family of four.