FY2027 Small Area FMR · Bemidji, MN
ZIP 56601 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 56601 (Bemidji, MN) is $1,250 a month, up 8.7% from FY2026. That is 2% above the Beltrami County, MN area-wide FMR of $1,230.
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 56601 sits in the Beltrami County, MN area
Of the 19 ZIP codes HUD lists for the area, 56601 has the 3rd highest two-bedroom Small Area FMR. Beltrami 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 $1,230 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,250 for this ZIP code instead.
ZIP code 56601 crosses more than one HUD area. HUD also lists it under Hubbard 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 | $900 | $810 – $990 | $883 | $880 |
| 1 bedroom | $960 | $864 – $1,056 | $940 | $890 |
| 2 bedrooms | $1,250 | $1,125 – $1,375 | $1,230 | $1,150 |
| 3 bedrooms | $1,500 | $1,350 – $1,650 | $1,466 | $1,390 |
| 4 bedrooms | $2,070 | $1,863 – $2,277 | $2,041 | $1,750 |
A household renting a two-bedroom home at the Small Area FMR of $1,250 needs about $50,000 a year to keep housing costs at 30% of income. The area median family income is $95,800 and the 80% low-income limit for four people is $78,400. ZIP code 56601 lies mainly in Beltrami County and Hubbard County. See the Beltrami 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 56601?
HUD's FY2027 Small Area Fair Market Rents for 56601 are $900 (studio), $960 (1 BR), $1,250 (2 BR), $1,500 (3 BR) and $2,070 (4 BR) a month.
What is the Section 8 payment standard in 56601?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 56601 that range is $1,125 to $1,375 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 56601?
The FY2026 income limits of the Beltrami County, MN area apply: median family income $95,800, low-income (80%) limit $78,400 for a family of four.