FY2027 Small Area FMR · Armstrong Creek, WI
ZIP 54103 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 54103 (Armstrong Creek, WI) is $1,040 a month, up 4.0% from FY2026. That is 2% below the Florence County, WI area-wide FMR of $1,063.
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 54103 sits in the Florence County, WI area
Of the 5 ZIP codes HUD lists for the area, 54103 has the 5th highest two-bedroom Small Area FMR. Florence County, WI 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 $1,063 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,040 for this ZIP code instead.
ZIP code 54103 crosses more than one HUD area. HUD also lists it under Forest County, WI (same figures) and Marinette County, WI (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 | $740 | $666 – $814 | $767 | $740 |
| 1 bedroom | $800 | $720 – $880 | $813 | $770 |
| 2 bedrooms | $1,040 | $936 – $1,144 | $1,063 | $1,000 |
| 3 bedrooms | $1,280 | $1,152 – $1,408 | $1,316 | $1,210 |
| 4 bedrooms | $1,470 | $1,323 – $1,617 | $1,453 | $1,410 |
A household renting a two-bedroom home at the Small Area FMR of $1,040 needs about $41,600 a year to keep housing costs at 30% of income. The area median family income is $77,900 and the 80% low-income limit for four people is $76,800. ZIP code 54103 lies mainly in Forest County and Marinette County. See the Florence County, WI county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 54103?
HUD's FY2027 Small Area Fair Market Rents for 54103 are $740 (studio), $800 (1 BR), $1,040 (2 BR), $1,280 (3 BR) and $1,470 (4 BR) a month.
What is the Section 8 payment standard in 54103?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 54103 that range is $936 to $1,144 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 54103?
The FY2026 income limits of the Florence County, WI area apply: median family income $77,900, low-income (80%) limit $76,800 for a family of four.