FY2027 Small Area FMR · Epworth, IA

ZIP 52045 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 52045 (Epworth, IA) is $1,050 a month, up 6.1% from FY2026. That is 7% below the Dubuque, IA area-wide FMR of $1,131.

2-bedroom SAFMR$1,050per month ▲ 6.1%

Area-wide 2 BR FMR$1,131Dubuque, IA

Rank in the area11thof 22 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$945

2 BR Small Area FMR$1,050

110% of SAFMR$1,155

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

Studio$730▲ 2.8%

1 BR$830▲ 7.8%

2 BR$1,050▲ 6.1%

3 BR$1,410▲ 6.0%

4 BR$1,730▲ 4.2%

FY2027 FY2026

Where 52045 sits in the Dubuque, IA area

Of the 22 ZIP codes HUD lists for the area, 52045 has the 11th highest two-bedroom Small Area FMR. Dubuque, IA 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 $1,131 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,050 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	$730	$657 – $803	$788	$710
1 bedroom	$830	$747 – $913	$891	$770
2 bedrooms	$1,050	$945 – $1,155	$1,131	$990
3 bedrooms	$1,410	$1,269 – $1,551	$1,516	$1,330
4 bedrooms	$1,730	$1,557 – $1,903	$1,865	$1,660

A household renting a two-bedroom home at the Small Area FMR of $1,050 needs about $42,000 a year to keep housing costs at 30% of income. The area median family income is $106,300 and the 80% low-income limit for four people is $85,050. ZIP code 52045 lies mainly in Dubuque County. See the Dubuque, IA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
52046	Farley	4.2 mi	$1,190
52039	Durango	6.7 mi	$1,170
52068	Peosta	6.7 mi	$1,220
52002	Dubuque	9.5 mi	$1,250
52078	Worthington	10.1 mi	$970
52056	Luxemburg	10.3 mi	$990

Questions

What is the Fair Market Rent for ZIP code 52045?

HUD's FY2027 Small Area Fair Market Rents for 52045 are $730 (studio), $830 (1 BR), $1,050 (2 BR), $1,410 (3 BR) and $1,730 (4 BR) a month.

What is the Section 8 payment standard in 52045?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 52045 that range is $945 to $1,155 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 52045?

The FY2026 income limits of the Dubuque, IA area apply: median family income $106,300, low-income (80%) limit $85,050 for a family of four.