FY2027 Small Area FMR · Moorhead, MN
ZIP 56560 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 56560 (Moorhead, MN) is $1,190 a month, up 1.7% from FY2026. That is 8% above the Fargo, ND-MN area-wide FMR of $1,104.
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 56560 sits in the Fargo, ND-MN area
Of the 55 ZIP codes HUD lists for the area, 56560 has the 12th highest two-bedroom Small Area FMR. Fargo, 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 $1,104 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,190 for this ZIP code instead.
ZIP code 56560 crosses more than one HUD area. HUD also lists it under Wilkin 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 | $840 | $756 – $924 | $781 | $810 |
| 1 bedroom | $970 | $873 – $1,067 | $903 | $970 |
| 2 bedrooms | $1,190 | $1,071 – $1,309 | $1,104 | $1,170 |
| 3 bedrooms | $1,650 | $1,485 – $1,815 | $1,529 | $1,630 |
| 4 bedrooms | $1,990 | $1,791 – $2,189 | $1,845 | $1,960 |
A household renting a two-bedroom home at the Small Area FMR of $1,190 needs about $47,600 a year to keep housing costs at 30% of income. The area median family income is $115,200 and the 80% low-income limit for four people is $92,150. ZIP code 56560 lies mainly in Clay County and Wilkin County. See the Fargo, ND-MN metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 56560?
HUD's FY2027 Small Area Fair Market Rents for 56560 are $840 (studio), $970 (1 BR), $1,190 (2 BR), $1,650 (3 BR) and $1,990 (4 BR) a month.
What is the Section 8 payment standard in 56560?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 56560 that range is $1,071 to $1,309 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 56560?
The FY2026 income limits of the Fargo, ND-MN area apply: median family income $115,200, low-income (80%) limit $92,150 for a family of four.