FY2027 Small Area FMR · Moorhead, MN

ZIP 56561 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 56561 (Moorhead, MN) is $1,180 a month, unchanged from FY2026. That is 7% above the Fargo, ND-MN area-wide FMR of $1,104.

2-bedroom SAFMR$1,180per month ■ 0.0%

Area-wide 2 BR FMR$1,104Fargo, ND-MN

Rank in the area16thof 55 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,062

2 BR Small Area FMR$1,180

110% of SAFMR$1,298

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

Studio$830▲ 1.2%

1 BR$970■ 0.0%

2 BR$1,180■ 0.0%

3 BR$1,630▼ 0.6%

4 BR$1,970▼ 0.5%

FY2027 FY2026

Where 56561 sits in the Fargo, ND-MN area

Of the 55 ZIP codes HUD lists for the area, 56561 has the 16th 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 $1,180 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	$830	$747 – $913	$781	$820
1 bedroom	$970	$873 – $1,067	$903	$970
2 bedrooms	$1,180	$1,062 – $1,298	$1,104	$1,180
3 bedrooms	$1,630	$1,467 – $1,793	$1,529	$1,640
4 bedrooms	$1,970	$1,773 – $2,167	$1,845	$1,980

A household renting a two-bedroom home at the Small Area FMR of $1,180 needs about $47,200 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 56561 lies mainly in Clay County. See the Fargo, ND-MN metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
56562	Moorhead	0.0 mi	$1,190
56563	Moorhead	0.0 mi	$1,190
58105	Fargo	2.3 mi	$1,040
58103	Fargo	2.8 mi	$1,040
56560	Moorhead	2.9 mi	$1,190
56529	Dilworth	3.8 mi	$1,180

Questions

What is the Fair Market Rent for ZIP code 56561?

HUD's FY2027 Small Area Fair Market Rents for 56561 are $830 (studio), $970 (1 BR), $1,180 (2 BR), $1,630 (3 BR) and $1,970 (4 BR) a month.

What is the Section 8 payment standard in 56561?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 56561 that range is $1,062 to $1,298 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 56561?

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.