FY2027 Small Area FMR · Fertile, MN

ZIP 56540 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 56540 (Fertile, MN) is $1,010 a month, up 4.1% from FY2026. That is 0% equal to the Grand Forks, ND-MN area-wide FMR of $1,014.

2-bedroom SAFMR$1,010per month ▲ 4.1%

Area-wide 2 BR FMR$1,014Grand Forks, ND-MN

Rank in the area29thof 49 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$909

2 BR Small Area FMR$1,010

110% of SAFMR$1,111

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

Studio$810▲ 6.6%

1 BR$820▲ 6.5%

2 BR$1,010▲ 4.1%

3 BR$1,400▲ 4.5%

4 BR$1,670▲ 4.4%

FY2027 FY2026

Where 56540 sits in the Grand Forks, ND-MN area

Of the 49 ZIP codes HUD lists for the area, 56540 has the 29th highest two-bedroom Small Area FMR. Grand Forks, ND-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 $1,010 for this ZIP code instead.

ZIP code 56540 crosses more than one HUD area. HUD also lists it under Mahnomen County, MN (same figures) and Norman County, MN (same figures). The figure that applies depends on which side of the line the home is.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$810	$729 – $891	$816	$760
1 bedroom	$820	$738 – $902	$821	$770
2 bedrooms	$1,010	$909 – $1,111	$1,014	$970
3 bedrooms	$1,400	$1,260 – $1,540	$1,404	$1,340
4 bedrooms	$1,670	$1,503 – $1,837	$1,695	$1,600

A household renting a two-bedroom home at the Small Area FMR of $1,010 needs about $40,400 a year to keep housing costs at 30% of income. The area median family income is $106,800 and the 80% low-income limit for four people is $85,700. ZIP code 56540 lies mainly in Polk County and Norman County. See the Grand Forks, ND-MN metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
56736	Mentor	11.0 mi	$1,010
56545	Gary	11.1 mi	$1,090
56592	Winger	12.2 mi	$1,080
56517	Beltrami	13.1 mi	$1,010
56535	Erskine	13.5 mi	$1,010
56516	Bejou	15.9 mi	$1,300

Questions

What is the Fair Market Rent for ZIP code 56540?

HUD's FY2027 Small Area Fair Market Rents for 56540 are $810 (studio), $820 (1 BR), $1,010 (2 BR), $1,400 (3 BR) and $1,670 (4 BR) a month.

What is the Section 8 payment standard in 56540?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 56540 that range is $909 to $1,111 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 56540?

The FY2026 income limits of the Grand Forks, ND-MN area apply: median family income $106,800, low-income (80%) limit $85,700 for a family of four.