St. Joseph County, IN fair market rent
South Bend-Mishawaka, IN HUD Metro FMR Area · FY2027 · upcoming · effective October 1, 2026
Illustrative 90–110% range $1,148–$1,404 · -1.2% from FY2026
Gross rent including tenant-paid utilities. The range is HUD's basic payment-standard band, not your PHA's adopted standard or your voucher payment; your PHA's effective date may differ. Metro FMR area. U.S. county median 2BR $1,056.
Your housing authority's payment standard: not verified on this page.
Confirm the amount, bedroom size, utility allowance and effective date for the unit's address before relying on it.
Find your housing authority| Unit | FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $937 | $898 | +4.3% |
| 1 bedroom | $1,093 | $1,105 | -1.1% |
| 2 bedrooms | $1,276 | $1,292 | -1.2% |
| 3 bedrooms | $1,545 | $1,567 | -1.4% |
| 4 bedrooms | $1,677 | $1,711 | -2.0% |
All Indiana areasHow payment standards work
Source: HUD Fair Market Rent data, FMR_All_1983_2027.csv, retrieved 2026-09-19.
2-bedroom FMR, last 11 years
- FY17$792
- FY18$858
- FY19$810
- FY20$840
- FY21$851
- FY22$981
- FY23$1,099
- FY24$1,017
- FY25$1,095
- FY26$1,292
- FY27$1,276
HUD's fiscal year runs October to September, so the FY2027 figure applies from October 1, 2026. The FMR is the 40th-percentile gross rent (rent plus tenant-paid utilities) for standard-quality units, from Census ACS data trended forward with recent rent surveys. It is not a rent cap for private landlords. Data & method
Small Area FMRs by ZIP code
30 ZIPs in South Bend-Mishawaka, IN HUD Metro FMR Area- ZIP 46506Studio $810 · 1BR $1,000 · 3BR $1,420 · 4BR $1,540
- ZIP 46517Studio $890 · 1BR $1,000 · 3BR $1,460 · 4BR $1,550
- ZIP 46530Studio $1,410 · 1BR $1,630 · 3BR $2,320 · 4BR $2,520
- ZIP 46536Studio $810 · 1BR $1,000 · 3BR $1,420 · 4BR $1,540
- ZIP 46544Studio $910 · 1BR $1,060 · 3BR $1,500 · 4BR $1,630
- ZIP 46545Studio $990 · 1BR $1,160 · 3BR $1,630 · 4BR $1,770
- ZIP 46546Studio $940 · 1BR $1,100 · 3BR $1,550 · 4BR $1,680
- ZIP 46550Studio $880 · 1BR $1,000 · 3BR $1,420 · 4BR $1,540
- ZIP 46552Studio $940 · 1BR $1,060 · 3BR $1,530 · 4BR $1,700
- ZIP 46554Studio $840 · 1BR $1,000 · 3BR $1,420 · 4BR $1,540
- ZIP 46556Studio $960 · 1BR $1,170 · 3BR $1,670 · 4BR $1,820
- ZIP 46561Studio $1,060 · 1BR $1,210 · 3BR $1,740 · 4BR $1,880
- ZIP 46563Studio $830 · 1BR $1,000 · 3BR $1,420 · 4BR $1,540
- ZIP 46573Studio $1,020 · 1BR $1,080 · 3BR $1,680 · 4BR $1,780
- ZIP 46574Studio $810 · 1BR $1,000 · 3BR $1,420 · 4BR $1,540
- ZIP 46595Studio $940 · 1BR $1,100 · 3BR $1,550 · 4BR $1,680
- ZIP 46601Studio $810 · 1BR $1,000 · 3BR $1,420 · 4BR $1,540
- ZIP 46613Studio $900 · 1BR $1,050 · 3BR $1,480 · 4BR $1,600
- ZIP 46614Studio $810 · 1BR $1,000 · 3BR $1,420 · 4BR $1,540
- ZIP 46615Studio $870 · 1BR $1,010 · 3BR $1,430 · 4BR $1,550
- ZIP 46616Studio $940 · 1BR $1,100 · 3BR $1,550 · 4BR $1,680
- ZIP 46617Studio $1,300 · 1BR $1,520 · 3BR $2,140 · 4BR $2,330
- ZIP 46619Studio $870 · 1BR $1,020 · 3BR $1,440 · 4BR $1,560
- ZIP 46624Studio $890 · 1BR $1,040 · 3BR $1,460 · 4BR $1,590
- ZIP 46628Studio $960 · 1BR $1,120 · 3BR $1,590 · 4BR $1,720
- ZIP 46634Studio $940 · 1BR $1,100 · 3BR $1,550 · 4BR $1,680
- ZIP 46635Studio $850 · 1BR $1,000 · 3BR $1,420 · 4BR $1,540
- ZIP 46637Studio $1,040 · 1BR $1,220 · 3BR $1,720 · 4BR $1,870
- ZIP 46660Studio $940 · 1BR $1,100 · 3BR $1,550 · 4BR $1,680
- ZIP 46680Studio $940 · 1BR $1,100 · 3BR $1,550 · 4BR $1,680