FY2027 Small Area FMR · Windom, MN
ZIP 56101 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 56101 (Windom, MN) is $1,070 a month, up 2.9% from FY2026. That is 6% above the Cottonwood County, MN area-wide FMR of $1,014.
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 56101 sits in the Cottonwood County, MN area
Of the 14 ZIP codes HUD lists for the area, 56101 has the 3rd highest two-bedroom Small Area FMR. Cottonwood County, MN 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 $1,014 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,070 for this ZIP code instead.
ZIP code 56101 crosses more than one HUD area. HUD also lists it under Jackson 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 | $780 | $702 – $858 | $737 | $720 |
| 1 bedroom | $880 | $792 – $968 | $824 | $820 |
| 2 bedrooms | $1,070 | $963 – $1,177 | $1,014 | $1,040 |
| 3 bedrooms | $1,480 | $1,332 – $1,628 | $1,404 | $1,440 |
| 4 bedrooms | $1,550 | $1,395 – $1,705 | $1,481 | $1,500 |
A household renting a two-bedroom home at the Small Area FMR of $1,070 needs about $42,800 a year to keep housing costs at 30% of income. The area median family income is $97,800 and the 80% low-income limit for four people is $78,400. ZIP code 56101 lies mainly in Cottonwood County and Jackson County. See the Cottonwood County, MN county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 56101?
HUD's FY2027 Small Area Fair Market Rents for 56101 are $780 (studio), $880 (1 BR), $1,070 (2 BR), $1,480 (3 BR) and $1,550 (4 BR) a month.
What is the Section 8 payment standard in 56101?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 56101 that range is $963 to $1,177 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 56101?
The FY2026 income limits of the Cottonwood County, MN area apply: median family income $97,800, low-income (80%) limit $78,400 for a family of four.