FY2027 Small Area FMR · Lake Nebagamon, WI

ZIP 54849 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 54849 (Lake Nebagamon, WI) is $1,110 a month, up 7.8% from FY2026. That is 8% below the Duluth, MN-WI area-wide FMR of $1,207.

2-bedroom SAFMR$1,110per month ▲ 7.8%

Area-wide 2 BR FMR$1,207Duluth, MN-WI

Rank in the area39thof 78 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$999

2 BR Small Area FMR$1,110

110% of SAFMR$1,221

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

Studio$770▲ 8.5%

1 BR$890▲ 9.9%

2 BR$1,110▲ 7.8%

3 BR$1,530▲ 10.1%

4 BR$1,870▲ 8.1%

FY2027 FY2026

Where 54849 sits in the Duluth, MN-WI area

Of the 78 ZIP codes HUD lists for the area, 54849 has the 39th highest two-bedroom Small Area FMR. Duluth, MN-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 $1,207 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,110 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	$770	$693 – $847	$841	$710
1 bedroom	$890	$801 – $979	$961	$810
2 bedrooms	$1,110	$999 – $1,221	$1,207	$1,030
3 bedrooms	$1,530	$1,377 – $1,683	$1,671	$1,390
4 bedrooms	$1,870	$1,683 – $2,057	$2,017	$1,730

A household renting a two-bedroom home at the Small Area FMR of $1,110 needs about $44,400 a year to keep housing costs at 30% of income. The area median family income is $101,100 and the 80% low-income limit for four people is $80,900. ZIP code 54849 lies mainly in Douglas County. See the Duluth, MN-WI metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
54842	Hawthorne	6.4 mi	$1,110
54873	Solon Springs	9.4 mi	$1,110
54864	Poplar	9.6 mi	$1,210
54820	Brule	9.9 mi	$1,110
54874	South Range	11.9 mi	$1,130
54854	Maple	12.0 mi	$1,110

Questions

What is the Fair Market Rent for ZIP code 54849?

HUD's FY2027 Small Area Fair Market Rents for 54849 are $770 (studio), $890 (1 BR), $1,110 (2 BR), $1,530 (3 BR) and $1,870 (4 BR) a month.

What is the Section 8 payment standard in 54849?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 54849 that range is $999 to $1,221 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 54849?

The FY2026 income limits of the Duluth, MN-WI area apply: median family income $101,100, low-income (80%) limit $80,900 for a family of four.