Mackinac County, MI: 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).

$1,0572-bedroom FMR, FY2027

$8081-bedroom FMR, FY2027

$67,45080% income limit, family of 4 (FY2026)

$84,300Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Mackinac County is $1,057 a month, up 3.3% from $1,023 in FY2026. Mackinac County belongs to the Mackinac County, MI FMR area (non-metro county), 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 Mackinac County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$803	$775	+3.6%	$723 – $883
1 bedroom	$808	$780	+3.6%	$728 – $888
2 bedrooms	$1,057	$1,023	+3.3%	$952 – $1,162
3 bedrooms	$1,287	$1,227	+4.9%	$1,159 – $1,415
4 bedrooms	$1,486	$1,451	+2.4%	$1,338 – $1,634

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 Mackinac County that is typically $952 to $1,162 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?

$40,000median income of renter households

$760Median gross rent, all units

23%Rent-to-income ratio (median rent ÷ median renter income)

37%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $40,000 can afford about $1,000 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,057 is $57 (5.7%) more than that. To rent a two-bedroom at the FMR, a household needs $42,280 a year under the 30% rule, or $38,052 under the common landlord rule that income must be three times the rent.

Mackinac County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$760 ±$62
Median income of renter households	$40,000 ±$13,565
Renters paying 30% or more of income (cost-burdened)	36.9% ±6.5
Renters paying 50% or more (severely cost-burdened)	18.7% ±5.9
Renter households (where the share can be computed)	846

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$602	$760	+26.2%
Median renter household income	$24,750	$40,000	+61.6%
Renters paying 30%+ of income	43.6%	36.9%	−6.7 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.

HUD income limits for Mackinac County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $84,300 (FY2025: $79,300, +6.3%). 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%)	$17,750 +3.2%	$21,640 +2.3%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,650 +2.9%
Very low income (50%)	$29,550 +3.0%	$33,750 +2.9%	$37,950 +2.8%	$42,150 +2.9%	$45,550 +2.9%	$48,900 +2.8%	$52,300 +3.0%	$55,650 +2.9%
Low income (80%)	$47,250 +3.1%	$54,000 +3.1%	$60,750 +3.1%	$67,450 +3.0%	$72,850 +3.0%	$78,250 +3.0%	$83,650 +3.0%	$89,050 +2.9%

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.