LaPorte County, IN: Fair Market Rent 2027 and Income Limits

Official HUD figures for landlords and renters, effective October 1, 2026 (rents) and May 1, 2026 (income limits).

$1,2452-bedroom FMR, FY2027

$1,0311-bedroom FMR, FY2027

$71,45080% income limit, family of 4 (FY2026)

$89,300Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in LaPorte County is $1,245 a month, up 8.1% from $1,152 in FY2026. LaPorte County belongs to the Michigan City-La Porte, IN MSA FMR area, so the same figures apply across that area. FMRs are gross rents: rent plus all tenant-paid utilities except phone, cable and internet.

Fair market rent in LaPorte County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$963	$874	+10.2%	$867 – $1,059
1 bedroom	$1,031	$953	+8.2%	$928 – $1,134
2 bedrooms	$1,245	$1,152	+8.1%	$1,121 – $1,369
3 bedrooms	$1,525	$1,454	+4.9%	$1,373 – $1,677
4 bedrooms	$1,762	$1,680	+4.9%	$1,586 – $1,938

Source: HUD Fair Market Rents FY2027 (effective October 1, 2026) and FY2026 (revised file), details.

What can a landlord charge a Section 8 tenant here?

The FMR is not a cap on what you can ask on the open market. For a Housing Choice Voucher tenant, the local housing authority sets a payment standard, normally between 90% and 110% of the FMR (or of the ZIP-level Small Area FMR where those apply). For a two-bedroom unit in LaPorte County that is typically $1,121 to $1,369 including utilities. You can charge more than the payment standard if the rent passes the housing authority's rent-reasonableness test and, at move-in, the tenant's share stays within 40% of their adjusted monthly income. Ask the housing authority for its current payment standard schedule.

Can local renters afford the fair market rent?

$41,095median income of renter households

$976Median gross rent, all units

28%Rent-to-income ratio (median rent ÷ median renter income)

47%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $41,095 can afford about $1,027 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,245 is $218 (21.2%) more than that. To rent a two-bedroom at the FMR, a household needs $49,800 a year under the 30% rule, or $44,820 under the common landlord rule that income must be three times the rent.

LaPorte County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$976 ±$30
Median income of renter households	$41,095 ±$3,085
Renters paying 30% or more of income (cost-burdened)	47.0% ±4.7
Renters paying 50% or more (severely cost-burdened)	22.4% ±3.7
Renter households (where the share can be computed)	9,601

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$747	$976	+30.7%
Median renter household income	$29,412	$41,095	+39.7%
Renters paying 30%+ of income	47.4%	47.0%	−0.4 pts

Rent-to-income calculator: does an applicant qualify? → · Most affordable counties to rent in this state →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates 2020–2024 and 2015–2019 (tables B25064, B25119, B25070). ± = margin of error at 90% confidence. Dollar figures are not adjusted for inflation.

Small Area FMRs by ZIP code (FY2027)

In metro areas HUD also publishes ZIP-level Small Area Fair Market Rents. Housing authorities in designated areas must use them for voucher payment standards; others may opt in. Here the two-bedroom SAFMR ranges from $1,070 to $1,870 depending on the ZIP code.

All 16 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
46340	$830	$890	$1,070	$1,310	$1,520
46345	$970	$1,040	$1,250	$1,530	$1,770
46346	$900	$960	$1,160	$1,420	$1,640
46348	$1,050	$1,130	$1,360	$1,670	$1,920
46350	$960	$1,030	$1,240	$1,520	$1,750
46360	$960	$1,030	$1,240	$1,520	$1,750
46365	$1,000	$1,100	$1,310	$1,600	$1,820
46371	$1,450	$1,550	$1,870	$2,290	$2,650
46382	$980	$1,050	$1,280	$1,570	$1,840
46383	$1,150	$1,210	$1,470	$1,790	$1,950
46390	$1,240	$1,320	$1,600	$1,960	$2,260
46391	$1,210	$1,290	$1,560	$1,900	$2,170
46532	$900	$940	$1,190	$1,460	$1,800
46552	$940	$1,060	$1,260	$1,530	$1,700
46554	$840	$1,000	$1,170	$1,420	$1,540
46574	$810	$1,000	$1,170	$1,420	$1,540

Source: HUD FY2027 Small Area FMRs (effective October 1, 2026).

HUD income limits for LaPorte County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $89,300 (FY2025: $83,400, +7.1%). Small figures under each limit show the change from FY2025.

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Extremely low income (30%)	$18,800 +5.3%	$21,640 +2.3%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$31,300 +5.2%	$35,750 +5.1%	$40,200 +5.1%	$44,650 +5.2%	$48,250 +5.2%	$51,800 +5.2%	$55,400 +5.2%	$58,950 +5.2%
Low income (80%)	$50,050 +5.3%	$57,200 +5.2%	$64,350 +5.2%	$71,450 +5.2%	$77,200 +5.2%	$82,900 +5.2%	$88,600 +5.2%	$94,350 +5.2%

The 30% limit is HUD's “extremely low income” limit: the higher of 30% of median income or the federal poverty guideline, but never above the 50% limit. That is why it can rise faster than 30% of median for larger households. Tax-credit (LIHTC) properties use separate Multifamily Tax Subsidy Project limits.

Source: HUD Section 8 Income Limits FY2026 (effective May 1, 2026) and FY2025, details.