FY2027 Small Area FMR · Saint Paul, MN

ZIP 55128 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 55128 (Saint Paul, MN) is $1,770 a month, up 4.1% from FY2026. That is 2% above the Minneapolis-St. Paul-Bloomington, MN-WI area-wide FMR of $1,734.

2-bedroom SAFMR$1,770per month ▲ 4.1%

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

Rank in the area94thof 246 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,593

2 BR Small Area FMR$1,770

110% of SAFMR$1,947

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

Studio$1,290▲ 4.0%

1 BR$1,460▲ 4.3%

2 BR$1,770▲ 4.1%

3 BR$2,310▲ 2.7%

4 BR$2,590▲ 2.8%

FY2027 FY2026

Where 55128 sits in the Minneapolis-St. Paul-Bloomington, MN-WI area

Of the 246 ZIP codes HUD lists for the area, 55128 has the 94th 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 $1,770 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	$1,290	$1,161 – $1,419	$1,265	$1,240
1 bedroom	$1,460	$1,314 – $1,606	$1,427	$1,400
2 bedrooms	$1,770	$1,593 – $1,947	$1,734	$1,700
3 bedrooms	$2,310	$2,079 – $2,541	$2,264	$2,250
4 bedrooms	$2,590	$2,331 – $2,849	$2,538	$2,520

A household renting a two-bedroom home at the Small Area FMR of $1,770 needs about $70,800 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 55128 lies mainly in Washington 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
55042	Lake Elmo	2.6 mi	$1,810
55109	Saint Paul	3.6 mi	$1,640
55119	Saint Paul	4.1 mi	$1,630
55106	Saint Paul	4.5 mi	$1,540
55090	Willernie	4.6 mi	$2,070
55125	Saint Paul	5.0 mi	$2,220

Questions

What is the Fair Market Rent for ZIP code 55128?

HUD's FY2027 Small Area Fair Market Rents for 55128 are $1,290 (studio), $1,460 (1 BR), $1,770 (2 BR), $2,310 (3 BR) and $2,590 (4 BR) a month.

What is the Section 8 payment standard in 55128?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 55128 that range is $1,593 to $1,947 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 55128?

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.