FY2027 Small Area FMR · Whitewater, MT

ZIP 59544 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 59544 (Whitewater, MT) is $1,210 a month, down 0.8% from FY2026. That is 19% above the Phillips County, MT area-wide FMR of $1,014.

2-bedroom SAFMR$1,210per month ▼ 0.8%

Area-wide 2 BR FMR$1,014Phillips County, MT

Rank in the area2ndof 8 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,089

2 BR Small Area FMR$1,210

110% of SAFMR$1,331

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

Studio$920■ 0.0%

1 BR$1,110■ 0.0%

2 BR$1,210▼ 0.8%

3 BR$1,660▼ 1.8%

4 BR$1,980▲ 0.5%

FY2027 FY2026

Where 59544 sits in the Phillips County, MT area

Of the 8 ZIP codes HUD lists for the area, 59544 has the 2nd highest two-bedroom Small Area FMR. Phillips County, MT 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 $1,210 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	$920	$828 – $1,012	$775	$920
1 bedroom	$1,110	$999 – $1,221	$931	$1,110
2 bedrooms	$1,210	$1,089 – $1,331	$1,014	$1,220
3 bedrooms	$1,660	$1,494 – $1,826	$1,404	$1,690
4 bedrooms	$1,980	$1,782 – $2,178	$1,666	$1,970

A household renting a two-bedroom home at the Small Area FMR of $1,210 needs about $48,400 a year to keep housing costs at 30% of income. The area median family income is $73,900 and the 80% low-income limit for four people is $72,800. ZIP code 59544 lies mainly in Phillips County. See the Phillips County, MT county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
59261	Saco	17.6 mi	$1,260
59537	Loring	19.9 mi	$1,020
59241	Hinsdale	31.9 mi	$1,080
59542	Turner	37.0 mi	$1,070
59273	Vandalia	42.8 mi	$1,080
59250	Opheim	45.1 mi	$1,080

Questions

What is the Fair Market Rent for ZIP code 59544?

HUD's FY2027 Small Area Fair Market Rents for 59544 are $920 (studio), $1,110 (1 BR), $1,210 (2 BR), $1,660 (3 BR) and $1,980 (4 BR) a month.

What is the Section 8 payment standard in 59544?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 59544 that range is $1,089 to $1,331 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 59544?

The FY2026 income limits of the Phillips County, MT area apply: median family income $73,900, low-income (80%) limit $72,800 for a family of four.