FY2027 Small Area FMR · Trout Creek, MT

ZIP 59874 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 59874 (Trout Creek, MT) is $1,160 a month, up 18.4% from FY2026. That is 4% above the Sanders County, MT area-wide FMR of $1,117.

2-bedroom SAFMR$1,160per month ▲ 18.4%

Area-wide 2 BR FMR$1,117Sanders County, MT

Rank in the area7thof 11 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,044

2 BR Small Area FMR$1,160

110% of SAFMR$1,276

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

Studio$860▲ 16.2%

1 BR$930▲ 16.2%

2 BR$1,160▲ 18.4%

3 BR$1,440▲ 15.2%

4 BR$1,910▲ 16.5%

FY2027 FY2026

Where 59874 sits in the Sanders County, MT area

Of the 11 ZIP codes HUD lists for the area, 59874 has the 7th highest two-bedroom Small Area FMR. Sanders 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 $1,117 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,160 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	$860	$774 – $946	$778	$740
1 bedroom	$930	$837 – $1,023	$854	$800
2 bedrooms	$1,160	$1,044 – $1,276	$1,117	$980
3 bedrooms	$1,440	$1,296 – $1,584	$1,331	$1,250
4 bedrooms	$1,910	$1,719 – $2,101	$1,835	$1,640

A household renting a two-bedroom home at the Small Area FMR of $1,160 needs about $46,400 a year to keep housing costs at 30% of income. The area median family income is $71,000 and the 80% low-income limit for four people is $72,800. ZIP code 59874 lies mainly in Sanders County. See the Sanders County, MT county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
83874	Murray	13.7 mi	$1,020
83873	Wallace	18.1 mi	$1,020
59853	Noxon	18.5 mi	$1,510
59873	Thompson Falls	18.8 mi	$1,010
83846	Mullan	23.0 mi	$1,270
59844	Heron	24.1 mi	$1,510

Questions

What is the Fair Market Rent for ZIP code 59874?

HUD's FY2027 Small Area Fair Market Rents for 59874 are $860 (studio), $930 (1 BR), $1,160 (2 BR), $1,440 (3 BR) and $1,910 (4 BR) a month.

What is the Section 8 payment standard in 59874?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 59874 that range is $1,044 to $1,276 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 59874?

The FY2026 income limits of the Sanders County, MT area apply: median family income $71,000, low-income (80%) limit $72,800 for a family of four.