FY2027 Small Area FMR · Sioux City, IA
ZIP 51108 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 51108 (Sioux City, IA) is $1,490 a month, up 19.2% from FY2026. That is 25% above the Sioux City, IA-NE-SD area-wide FMR of $1,194.
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 51108 sits in the Sioux City, IA-NE-SD area
Of the 46 ZIP codes HUD lists for the area, 51108 has the 3rd 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 $1,490 for this ZIP code instead.
ZIP code 51108 crosses more than one HUD area. HUD also lists it under Plymouth County, IA (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 | $1,050 | $945 – $1,155 | $831 | $890 |
| 1 bedroom | $1,200 | $1,080 – $1,320 | $965 | $1,000 |
| 2 bedrooms | $1,490 | $1,341 – $1,639 | $1,194 | $1,250 |
| 3 bedrooms | $1,830 | $1,647 – $2,013 | $1,447 | $1,530 |
| 4 bedrooms | $2,030 | $1,827 – $2,233 | $1,618 | $1,680 |
A household renting a two-bedroom home at the Small Area FMR of $1,490 needs about $59,600 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 51108 lies mainly in Plymouth County and Woodbury County. See the Sioux City, IA-NE-SD metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 51108?
HUD's FY2027 Small Area Fair Market Rents for 51108 are $1,050 (studio), $1,200 (1 BR), $1,490 (2 BR), $1,830 (3 BR) and $2,030 (4 BR) a month.
What is the Section 8 payment standard in 51108?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 51108 that range is $1,341 to $1,639 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 51108?
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.