FY2027 Small Area FMR · Gary, MN

ZIP 56545 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 56545 (Gary, MN) is $1,090 a month, up 1.9% from FY2026. That is 7% above the Norman County, MN area-wide FMR of $1,014.

2-bedroom SAFMR$1,090per month ▲ 1.9%

Area-wide 2 BR FMR$1,014Norman County, MN

Rank in the area6thof 16 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$981

2 BR Small Area FMR$1,090

110% of SAFMR$1,199

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

Studio$820▲ 6.5%

1 BR$850▲ 2.4%

2 BR$1,090▲ 1.9%

3 BR$1,380▲ 1.5%

4 BR$1,600▲ 1.9%

FY2027 FY2026

Where 56545 sits in the Norman County, MN area

Of the 16 ZIP codes HUD lists for the area, 56545 has the 6th highest two-bedroom Small Area FMR. Norman 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 $1,090 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	$820	$738 – $902	$754	$770
1 bedroom	$850	$765 – $935	$775	$830
2 bedrooms	$1,090	$981 – $1,199	$1,014	$1,070
3 bedrooms	$1,380	$1,242 – $1,518	$1,208	$1,360
4 bedrooms	$1,600	$1,440 – $1,760	$1,333	$1,570

A household renting a two-bedroom home at the Small Area FMR of $1,090 needs about $43,600 a year to keep housing costs at 30% of income. The area median family income is $97,500 and the 80% low-income limit for four people is $78,400. ZIP code 56545 lies mainly in Norman County. See the Norman County, MN county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
56540	Fertile	11.1 mi	$1,010
56584	Twin Valley	12.0 mi	$1,230
56516	Bejou	12.9 mi	$1,300
56510	Ada	13.4 mi	$1,010
56592	Winger	14.6 mi	$1,080
56541	Flom	16.9 mi	$1,160

Questions

What is the Fair Market Rent for ZIP code 56545?

HUD's FY2027 Small Area Fair Market Rents for 56545 are $820 (studio), $850 (1 BR), $1,090 (2 BR), $1,380 (3 BR) and $1,600 (4 BR) a month.

What is the Section 8 payment standard in 56545?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 56545 that range is $981 to $1,199 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 56545?

The FY2026 income limits of the Norman County, MN area apply: median family income $97,500, low-income (80%) limit $78,400 for a family of four.