FY2027 Small Area FMR · Saint Paul, MN

ZIP 55109 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 55109 (Saint Paul, MN) is $1,640 a month, up 1.2% from FY2026. That is 5% below the Minneapolis-St. Paul-Bloomington, MN-WI area-wide FMR of $1,734.

2-bedroom SAFMR$1,640per month ▲ 1.2%

Area-wide 2 BR FMR$1,734Minneapolis-St. Paul-Bloomin

Rank in the area129thof 246 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,476

2 BR Small Area FMR$1,640

110% of SAFMR$1,804

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

Studio$1,200▲ 1.7%

1 BR$1,350▲ 1.5%

2 BR$1,640▲ 1.2%

3 BR$2,140■ 0.0%

4 BR$2,400■ 0.0%

FY2027 FY2026

Where 55109 sits in the Minneapolis-St. Paul-Bloomington, MN-WI area

Of the 246 ZIP codes HUD lists for the area, 55109 has the 129th highest two-bedroom Small Area FMR. Minneapolis-St. Paul-Bloomington, 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 $1,734 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,640 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	$1,200	$1,080 – $1,320	$1,265	$1,180
1 bedroom	$1,350	$1,215 – $1,485	$1,427	$1,330
2 bedrooms	$1,640	$1,476 – $1,804	$1,734	$1,620
3 bedrooms	$2,140	$1,926 – $2,354	$2,264	$2,140
4 bedrooms	$2,400	$2,160 – $2,640	$2,538	$2,400

A household renting a two-bedroom home at the Small Area FMR of $1,640 needs about $65,600 a year to keep housing costs at 30% of income. The area median family income is $131,500 and the 80% low-income limit for four people is $105,200. ZIP code 55109 lies mainly in Ramsey County. See the Minneapolis-St. Paul-Bloomington, MN-WI metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
55117	Saint Paul	3.3 mi	$1,540
55128	Saint Paul	3.6 mi	$1,770
55106	Saint Paul	3.7 mi	$1,540
55130	Saint Paul	4.0 mi	$1,540
55090	Willernie	4.3 mi	$2,070
55155	Saint Paul	4.9 mi	$1,600

Questions

What is the Fair Market Rent for ZIP code 55109?

HUD's FY2027 Small Area Fair Market Rents for 55109 are $1,200 (studio), $1,350 (1 BR), $1,640 (2 BR), $2,140 (3 BR) and $2,400 (4 BR) a month.

What is the Section 8 payment standard in 55109?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 55109 that range is $1,476 to $1,804 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 55109?

The FY2026 income limits of the Minneapolis-St. Paul-Bloomington, MN-WI area apply: median family income $131,500, low-income (80%) limit $105,200 for a family of four.