FY2027 Small Area FMR · Fifty Lakes, MN
ZIP 56448 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 56448 (Fifty Lakes, MN) is $1,130 a month, down 5.0% from FY2026. That is 11% above the Cass 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 56448 sits in the Cass County, MN area
Of the 25 ZIP codes HUD lists for the area, 56448 has the 5th highest two-bedroom Small Area FMR. Cass 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 $1,130 for this ZIP code instead.
ZIP code 56448 crosses more than one HUD area. HUD also lists it under Crow Wing 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 | $790 | $711 – $869 | $734 | $840 |
| 1 bedroom | $860 | $774 – $946 | $775 | $910 |
| 2 bedrooms | $1,130 | $1,017 – $1,243 | $1,014 | $1,190 |
| 3 bedrooms | $1,400 | $1,260 – $1,540 | $1,335 | $1,480 |
| 4 bedrooms | $1,660 | $1,494 – $1,826 | $1,695 | $1,770 |
A household renting a two-bedroom home at the Small Area FMR of $1,130 needs about $45,200 a year to keep housing costs at 30% of income. The area median family income is $88,300 and the 80% low-income limit for four people is $78,400. ZIP code 56448 lies mainly in Crow Wing County and Cass County. See the Cass 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 56448?
HUD's FY2027 Small Area Fair Market Rents for 56448 are $790 (studio), $860 (1 BR), $1,130 (2 BR), $1,400 (3 BR) and $1,660 (4 BR) a month.
What is the Section 8 payment standard in 56448?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 56448 that range is $1,017 to $1,243 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 56448?
The FY2026 income limits of the Cass County, MN area apply: median family income $88,300, low-income (80%) limit $78,400 for a family of four.