FY2027 Small Area FMR · Ontario, WI
ZIP 54651 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 54651 (Ontario, WI) is $1,160 a month, up 6.4% from FY2026. That is 6% above the Vernon County, WI area-wide FMR of $1,097.
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 54651 sits in the Vernon County, WI area
Of the 18 ZIP codes HUD lists for the area, 54651 has the 6th highest two-bedroom Small Area FMR. Vernon 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 $1,097 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,160 for this ZIP code instead.
ZIP code 54651 crosses more than one HUD area. HUD also lists it under Monroe 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 | $800 | $720 – $880 | $764 | $750 |
| 1 bedroom | $910 | $819 – $1,001 | $856 | $860 |
| 2 bedrooms | $1,160 | $1,044 – $1,276 | $1,097 | $1,090 |
| 3 bedrooms | $1,470 | $1,323 – $1,617 | $1,364 | $1,390 |
| 4 bedrooms | $1,670 | $1,503 – $1,837 | $1,603 | $1,590 |
A household renting a two-bedroom home at the Small Area FMR of $1,160 needs about $46,400 a year to keep housing costs at 30% of income. The area median family income is $94,900 and the 80% low-income limit for four people is $76,800. ZIP code 54651 lies mainly in Vernon County and Monroe County. See the Vernon 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 54651?
HUD's FY2027 Small Area Fair Market Rents for 54651 are $800 (studio), $910 (1 BR), $1,160 (2 BR), $1,470 (3 BR) and $1,670 (4 BR) a month.
What is the Section 8 payment standard in 54651?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 54651 that range is $1,044 to $1,276 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 54651?
The FY2026 income limits of the Vernon County, WI area apply: median family income $94,900, low-income (80%) limit $76,800 for a family of four.