FY2027 Small Area FMR · Hot Springs, MT
ZIP 59845 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 59845 (Hot Springs, MT) is $1,530 a month, up 3.4% from FY2026. That is 9% below the Flathead County, MT area-wide FMR of $1,682.
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 59845 sits in the Flathead County, MT area
Of the 19 ZIP codes HUD lists for the area, 59845 has the 14th highest two-bedroom Small Area FMR. Flathead 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 $1,682 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,530 for this ZIP code instead.
ZIP code 59845 crosses more than one HUD area. HUD also lists it under Lake County, MT (same figures) and Sanders County, MT (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 | $1,150 | $1,035 – $1,265 | $1,277 | $1,090 |
| 1 bedroom | $1,170 | $1,053 – $1,287 | $1,286 | $1,130 |
| 2 bedrooms | $1,530 | $1,377 – $1,683 | $1,682 | $1,480 |
| 3 bedrooms | $2,010 | $1,809 – $2,211 | $2,263 | $1,970 |
| 4 bedrooms | $2,560 | $2,304 – $2,816 | $2,626 | $2,480 |
A household renting a two-bedroom home at the Small Area FMR of $1,530 needs about $61,200 a year to keep housing costs at 30% of income. The area median family income is $101,500 and the 80% low-income limit for four people is $81,200. ZIP code 59845 lies mainly in Sanders County, Lake County and Flathead County. See the Flathead County, MT 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 59845?
HUD's FY2027 Small Area Fair Market Rents for 59845 are $1,150 (studio), $1,170 (1 BR), $1,530 (2 BR), $2,010 (3 BR) and $2,560 (4 BR) a month.
What is the Section 8 payment standard in 59845?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 59845 that range is $1,377 to $1,683 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 59845?
The FY2026 income limits of the Flathead County, MT area apply: median family income $101,500, low-income (80%) limit $81,200 for a family of four.