FY2027 Small Area FMR · Duluth, MN

ZIP 55812 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 55812 (Duluth, MN) is $1,510 a month, up 1.3% from FY2026. That is 25% above the Duluth, MN-WI area-wide FMR of $1,207.

2-bedroom SAFMR$1,510per month ▲ 1.3%

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

Rank in the area9thof 78 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,359

2 BR Small Area FMR$1,510

110% of SAFMR$1,661

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

Studio$1,050▲ 1.9%

1 BR$1,200▲ 1.7%

2 BR$1,510▲ 1.3%

3 BR$2,090▲ 2.5%

4 BR$2,520▲ 0.8%

FY2027 FY2026

Where 55812 sits in the Duluth, MN-WI area

Of the 78 ZIP codes HUD lists for the area, 55812 has the 9th 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 $1,510 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	$1,050	$945 – $1,155	$841	$1,030
1 bedroom	$1,200	$1,080 – $1,320	$961	$1,180
2 bedrooms	$1,510	$1,359 – $1,661	$1,207	$1,490
3 bedrooms	$2,090	$1,881 – $2,299	$1,671	$2,040
4 bedrooms	$2,520	$2,268 – $2,772	$2,017	$2,500

A household renting a two-bedroom home at the Small Area FMR of $1,510 needs about $60,400 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 55812 lies mainly in St. Louis 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
55805	Duluth	1.3 mi	$1,220
55806	Duluth	3.9 mi	$1,120
55802	Duluth	4.5 mi	$1,300
55814	Duluth	6.2 mi	$1,540
55807	Duluth	6.8 mi	$1,210
55811	Duluth	7.5 mi	$1,540

Questions

What is the Fair Market Rent for ZIP code 55812?

HUD's FY2027 Small Area Fair Market Rents for 55812 are $1,050 (studio), $1,200 (1 BR), $1,510 (2 BR), $2,090 (3 BR) and $2,520 (4 BR) a month.

What is the Section 8 payment standard in 55812?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 55812 that range is $1,359 to $1,661 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 55812?

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.