FY2027 Small Area FMR · Ladysmith, WI

ZIP 54848 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 54848 (Ladysmith, WI) is $1,010 a month, up 4.1% from FY2026. That is 0% equal to the Rusk County, WI area-wide FMR of $1,014.

2-bedroom SAFMR$1,010per month ▲ 4.1%

Area-wide 2 BR FMR$1,014Rusk County, WI

Rank in the area9thof 14 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$909

2 BR Small Area FMR$1,010

110% of SAFMR$1,111

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

Studio$730▼ 1.4%

1 BR$780▲ 5.4%

2 BR$1,010▲ 4.1%

3 BR$1,310▲ 9.2%

4 BR$1,340▲ 3.9%

FY2027 FY2026

Where 54848 sits in the Rusk County, WI area

Of the 14 ZIP codes HUD lists for the area, 54848 has the 9th highest two-bedroom Small Area FMR. Rusk 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 $1,014 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,010 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	$732	$740
1 bedroom	$780	$702 – $858	$775	$740
2 bedrooms	$1,010	$909 – $1,111	$1,014	$970
3 bedrooms	$1,310	$1,179 – $1,441	$1,296	$1,200
4 bedrooms	$1,340	$1,206 – $1,474	$1,333	$1,290

A household renting a two-bedroom home at the Small Area FMR of $1,010 needs about $40,400 a year to keep housing costs at 30% of income. The area median family income is $80,500 and the 80% low-income limit for four people is $76,800. ZIP code 54848 lies mainly in Rusk County. See the Rusk County, WI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
54563	Tony	7.5 mi	$1,080
54819	Bruce	10.0 mi	$1,010
54731	Conrath	11.5 mi	$1,420
54526	Glen Flora	12.0 mi	$1,030
54835	Exeland	14.0 mi	$1,010
54766	Sheldon	17.0 mi	$1,070

Questions

What is the Fair Market Rent for ZIP code 54848?

HUD's FY2027 Small Area Fair Market Rents for 54848 are $730 (studio), $780 (1 BR), $1,010 (2 BR), $1,310 (3 BR) and $1,340 (4 BR) a month.

What is the Section 8 payment standard in 54848?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 54848 that range is $909 to $1,111 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 54848?

The FY2026 income limits of the Rusk County, WI area apply: median family income $80,500, low-income (80%) limit $76,800 for a family of four.