FY2027 Small Area FMR · Saint Ignace, MI

ZIP 49781 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 49781 (Saint Ignace, MI) is $1,010 a month, up 4.1% from FY2026. That is 4% below the Mackinac County, MI area-wide FMR of $1,057.

2-bedroom SAFMR$1,010per month ▲ 4.1%

Area-wide 2 BR FMR$1,057Mackinac County, MI

Rank in the area11thof 14 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$770▲ 4.1%

1 BR$780▲ 5.4%

2 BR$1,010▲ 4.1%

3 BR$1,230▲ 5.1%

4 BR$1,440▲ 4.3%

FY2027 FY2026

Where 49781 sits in the Mackinac County, MI area

Of the 14 ZIP codes HUD lists for the area, 49781 has the 11th highest two-bedroom Small Area FMR. Mackinac 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 $1,057 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	$770	$693 – $847	$803	$740
1 bedroom	$780	$702 – $858	$808	$740
2 bedrooms	$1,010	$909 – $1,111	$1,057	$970
3 bedrooms	$1,230	$1,107 – $1,353	$1,287	$1,170
4 bedrooms	$1,440	$1,296 – $1,584	$1,486	$1,380

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 $84,300 and the 80% low-income limit for four people is $67,450. ZIP code 49781 lies mainly in Mackinac County. See the Mackinac County, MI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
49701	Mackinaw City	8.3 mi	$1,120
49757	Mackinac Island	8.7 mi	$1,590
49718	Carp Lake	10.7 mi	$1,140
49760	Moran	11.9 mi	$1,460
49745	Hessel	17.0 mi	$1,010
49755	Levering	17.2 mi	$1,170

Questions

What is the Fair Market Rent for ZIP code 49781?

HUD's FY2027 Small Area Fair Market Rents for 49781 are $770 (studio), $780 (1 BR), $1,010 (2 BR), $1,230 (3 BR) and $1,440 (4 BR) a month.

What is the Section 8 payment standard in 49781?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 49781 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 49781?

The FY2026 income limits of the Mackinac County, MI area apply: median family income $84,300, low-income (80%) limit $67,450 for a family of four.