FY2027 Small Area FMR · Side Lake, MN
ZIP 55781 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 55781 (Side Lake, MN) is $1,600 a month, down 1.8% from FY2026. That is 33% above the Duluth, MN-WI area-wide FMR of $1,207.
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 55781 sits in the Duluth, MN-WI area
Of the 78 ZIP codes HUD lists for the area, 55781 has the 5th 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 $1,600 for this ZIP code instead.
ZIP code 55781 crosses more than one HUD area. HUD also lists it under Itasca County, MN (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 | $1,110 | $999 – $1,221 | $841 | $1,130 |
| 1 bedroom | $1,270 | $1,143 – $1,397 | $961 | $1,300 |
| 2 bedrooms | $1,600 | $1,440 – $1,760 | $1,207 | $1,630 |
| 3 bedrooms | $2,190 | $1,971 – $2,409 | $1,671 | $2,220 |
| 4 bedrooms | $2,600 | $2,340 – $2,860 | $2,017 | $2,670 |
A household renting a two-bedroom home at the Small Area FMR of $1,600 needs about $64,000 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 55781 lies mainly in Itasca County and St. Louis County. See the Duluth, MN-WI metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 55781?
HUD's FY2027 Small Area Fair Market Rents for 55781 are $1,110 (studio), $1,270 (1 BR), $1,600 (2 BR), $2,190 (3 BR) and $2,600 (4 BR) a month.
What is the Section 8 payment standard in 55781?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 55781 that range is $1,440 to $1,760 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 55781?
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.