FY2027 Small Area FMR · Sergeant Bluff, IA

ZIP 51054 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 51054 (Sergeant Bluff, IA) is $1,540 a month, up 3.4% from FY2026. That is 29% above the Sioux City, IA-NE-SD area-wide FMR of $1,194.

2-bedroom SAFMR$1,540per month ▲ 3.4%

Area-wide 2 BR FMR$1,194Sioux City, IA-NE-SD

Rank in the area2ndof 46 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,386

2 BR Small Area FMR$1,540

110% of SAFMR$1,694

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

Studio$1,070▲ 3.9%

1 BR$1,240▲ 4.2%

2 BR$1,540▲ 3.4%

3 BR$1,870▲ 4.5%

4 BR$2,090▲ 6.1%

FY2027 FY2026

Where 51054 sits in the Sioux City, IA-NE-SD area

Of the 46 ZIP codes HUD lists for the area, 51054 has the 2nd highest two-bedroom Small Area FMR. Sioux City, IA-NE-SD 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 $1,194 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,540 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	$1,070	$963 – $1,177	$831	$1,030
1 bedroom	$1,240	$1,116 – $1,364	$965	$1,190
2 bedrooms	$1,540	$1,386 – $1,694	$1,194	$1,490
3 bedrooms	$1,870	$1,683 – $2,057	$1,447	$1,790
4 bedrooms	$2,090	$1,881 – $2,299	$1,618	$1,970

A household renting a two-bedroom home at the Small Area FMR of $1,540 needs about $61,600 a year to keep housing costs at 30% of income. The area median family income is $97,900 and the 80% low-income limit for four people is $78,300. ZIP code 51054 lies mainly in Woodbury County. See the Sioux City, IA-NE-SD metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
51111	Sioux City	4.2 mi	$1,230
51052	Salix	5.6 mi	$1,050
51106	Sioux City	5.7 mi	$1,290
51007	Bronson	6.8 mi	$1,140
68731	Dakota City	8.2 mi	$1,190
68030	Homer	8.5 mi	$1,040

Questions

What is the Fair Market Rent for ZIP code 51054?

HUD's FY2027 Small Area Fair Market Rents for 51054 are $1,070 (studio), $1,240 (1 BR), $1,540 (2 BR), $1,870 (3 BR) and $2,090 (4 BR) a month.

What is the Section 8 payment standard in 51054?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 51054 that range is $1,386 to $1,694 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 51054?

The FY2026 income limits of the Sioux City, IA-NE-SD area apply: median family income $97,900, low-income (80%) limit $78,300 for a family of four.