Monroe 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).

$1,3042-bedroom FMR, FY2027

$9971-bedroom FMR, FY2027

$76,15080% income limit, family of 4 (FY2026)

$95,200Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Monroe County is $1,304 a month, down 1.7% from $1,326 in FY2026. Monroe County belongs to the Monroe, MI 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 Monroe County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$908	$914	−0.7%	$818 – $998
1 bedroom	$997	$1,011	−1.4%	$898 – $1,096
2 bedrooms	$1,304	$1,326	−1.7%	$1,174 – $1,434
3 bedrooms	$1,595	$1,605	−0.6%	$1,436 – $1,754
4 bedrooms	$2,153	$2,147	+0.3%	$1,938 – $2,368

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 Monroe County that is typically $1,174 to $1,434 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?

$40,700median income of renter households

$1,059Median gross rent, all units

31%Rent-to-income ratio (median rent ÷ median renter income)

51%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $40,700 can afford about $1,018 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,304 is $287 (28.2%) more than that. To rent a two-bedroom at the FMR, a household needs $52,160 a year under the 30% rule, or $46,944 under the common landlord rule that income must be three times the rent.

Monroe County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,059 ±$43
Median income of renter households	$40,700 ±$3,649
Renters paying 30% or more of income (cost-burdened)	50.6% ±4.3
Renters paying 50% or more (severely cost-burdened)	23.7% ±3.2
Renter households (where the share can be computed)	10,381

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$834	$1,059	+27.0%
Median renter household income	$30,832	$40,700	+32.0%
Renters paying 30%+ of income	51.5%	50.6%	−0.9 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 $1,200 to $1,930 depending on the ZIP code.

All 25 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
48111	$1,100	$1,220	$1,530	$1,860	$2,020
48117	$930	$1,020	$1,330	$1,630	$2,200
48131	$1,020	$1,120	$1,460	$1,790	$2,410
48133	$830	$910	$1,200	$1,450	$1,940
48134	$980	$1,090	$1,370	$1,670	$1,820
48140	$920	$1,010	$1,330	$1,620	$2,190
48144	$940	$1,030	$1,350	$1,650	$2,230
48145	$910	$1,000	$1,310	$1,600	$2,160
48157	$830	$910	$1,200	$1,450	$1,940
48159	$860	$950	$1,240	$1,520	$2,050
48160	$1,230	$1,250	$1,530	$1,850	$2,190
48161	$850	$930	$1,220	$1,490	$2,010
48162	$830	$910	$1,200	$1,450	$1,940
48164	$1,380	$1,540	$1,930	$2,350	$2,560
48166	$1,000	$1,100	$1,440	$1,760	$2,380
48177	$1,090	$1,200	$1,570	$1,920	$2,590
48179	$1,160	$1,270	$1,660	$2,030	$2,740
48182	$1,090	$1,200	$1,570	$1,920	$2,590
48191	$1,410	$1,450	$1,750	$2,100	$2,310
49228	$860	$940	$1,230	$1,550	$1,940
49229	$1,230	$1,250	$1,500	$1,790	$1,980
49238	$830	$910	$1,200	$1,480	$1,940
49267	$860	$950	$1,240	$1,540	$1,970
49270	$880	$960	$1,260	$1,540	$2,080
49276	$990	$1,080	$1,420	$1,770	$2,040

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

HUD income limits for Monroe County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $95,200 (FY2025: $91,500, +4.0%). 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%)	$20,000 +3.9%	$22,850 +3.9%	$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%)	$33,350 +3.7%	$38,100 +3.8%	$42,850 +3.8%	$47,600 +3.8%	$51,450 +3.8%	$55,250 +3.9%	$59,050 +3.8%	$62,850 +3.8%
Low income (80%)	$53,350 +3.9%	$60,950 +3.7%	$68,550 +3.8%	$76,150 +3.8%	$82,250 +3.8%	$88,350 +3.8%	$94,450 +3.8%	$100,550 +3.8%

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.