FY2027 Small Area FMR · Crosslake, MN

ZIP 56442 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 56442 (Crosslake, MN) is $1,110 a month, down 0.9% from FY2026. That is 5% below the Crow Wing County, MN area-wide FMR of $1,172.

2-bedroom SAFMR$1,110per month ▼ 0.9%

Area-wide 2 BR FMR$1,172Crow Wing County, MN

Rank in the area13thof 19 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$999

2 BR Small Area FMR$1,110

110% of SAFMR$1,221

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

Studio$770■ 0.0%

1 BR$850■ 0.0%

2 BR$1,110▼ 0.9%

3 BR$1,330▼ 1.5%

4 BR$1,520▼ 3.2%

FY2027 FY2026

Where 56442 sits in the Crow Wing County, MN area

Of the 19 ZIP codes HUD lists for the area, 56442 has the 13th highest two-bedroom Small Area FMR. Crow Wing 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 $1,172 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,110 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	$770	$693 – $847	$816	$770
1 bedroom	$850	$765 – $935	$899	$850
2 bedrooms	$1,110	$999 – $1,221	$1,172	$1,120
3 bedrooms	$1,330	$1,197 – $1,463	$1,407	$1,350
4 bedrooms	$1,520	$1,368 – $1,672	$1,609	$1,570

A household renting a two-bedroom home at the Small Area FMR of $1,110 needs about $44,400 a year to keep housing costs at 30% of income. The area median family income is $96,700 and the 80% low-income limit for four people is $78,400. ZIP code 56442 lies mainly in Crow Wing County. See the Crow Wing County, MN county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
56448	Fifty Lakes	6.1 mi	$1,130
56441	Crosby	9.0 mi	$1,090
56465	Merrifield	9.7 mi	$1,120
56447	Emily	10.2 mi	$1,460
56474	Pine River	14.5 mi	$1,010
56472	Pequot Lakes	15.1 mi	$1,030

Questions

What is the Fair Market Rent for ZIP code 56442?

HUD's FY2027 Small Area Fair Market Rents for 56442 are $770 (studio), $850 (1 BR), $1,110 (2 BR), $1,330 (3 BR) and $1,520 (4 BR) a month.

What is the Section 8 payment standard in 56442?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 56442 that range is $999 to $1,221 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 56442?

The FY2026 income limits of the Crow Wing County, MN area apply: median family income $96,700, low-income (80%) limit $78,400 for a family of four.