Ottawa 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).

$1,5462-bedroom FMR, FY2027

$1,3571-bedroom FMR, FY2027

$90,95080% income limit, family of 4 (FY2026)

$113,700Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Ottawa County is $1,546 a month, up 1.8% from $1,519 in FY2026. Ottawa County belongs to the Holland-Grand Haven, MI HUD Metro FMR Area 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 Ottawa County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,077	$1,047	+2.9%	$970 – $1,184
1 bedroom	$1,357	$1,333	+1.8%	$1,222 – $1,492
2 bedrooms	$1,546	$1,519	+1.8%	$1,392 – $1,700
3 bedrooms	$1,947	$1,930	+0.9%	$1,753 – $2,141
4 bedrooms	$2,306	$2,256	+2.2%	$2,076 – $2,536

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 Ottawa County that is typically $1,392 to $1,700 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?

$51,256median income of renter households

$1,211Median gross rent, all units

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

49%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $51,256 can afford about $1,281 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,546 is $265 (20.6%) more than that. To rent a two-bedroom at the FMR, a household needs $61,840 a year under the 30% rule, or $55,656 under the common landlord rule that income must be three times the rent.

Ottawa County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,211 ±$30
Median income of renter households	$51,256 ±$2,924
Renters paying 30% or more of income (cost-burdened)	49.4% ±3.6
Renters paying 50% or more (severely cost-burdened)	24.5% ±2.8
Renter households (where the share can be computed)	22,070

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$898	$1,211	+34.9%
Median renter household income	$39,908	$51,256	+28.4%
Renters paying 30%+ of income	44.6%	49.4%	+4.8 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 $1,370 to $1,790 depending on the ZIP code.

All 28 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
49315	$1,420	$1,500	$1,790	$2,310	$2,650
49318	$1,110	$1,200	$1,460	$1,790	$2,040
49323	$1,150	$1,200	$1,510	$1,850	$2,170
49330	$1,280	$1,350	$1,610	$2,090	$2,390
49345	$1,110	$1,200	$1,380	$1,790	$2,040
49401	$1,180	$1,490	$1,700	$2,140	$2,540
49403	$1,110	$1,200	$1,380	$1,790	$2,040
49404	$950	$1,200	$1,370	$1,740	$2,040
49409	$1,110	$1,380	$1,590	$1,990	$2,350
49415	$1,060	$1,200	$1,450	$1,740	$2,040
49417	$1,030	$1,300	$1,480	$1,860	$2,210
49418	$1,310	$1,410	$1,670	$2,150	$2,470
49422	$1,080	$1,360	$1,550	$1,950	$2,310
49423	$1,100	$1,290	$1,530	$1,910	$2,260
49424	$1,070	$1,340	$1,530	$1,930	$2,280
49426	$1,160	$1,460	$1,660	$2,090	$2,480
49428	$1,130	$1,420	$1,620	$2,040	$2,420
49429	$1,080	$1,360	$1,550	$1,950	$2,310
49430	$950	$1,200	$1,370	$1,740	$2,040
49434	$1,090	$1,310	$1,530	$1,920	$2,270
49435	$1,110	$1,200	$1,380	$1,790	$2,040
49448	$950	$1,200	$1,370	$1,740	$2,040
49451	$950	$1,200	$1,370	$1,740	$2,040
49456	$1,110	$1,380	$1,590	$1,990	$2,350
49460	$1,160	$1,460	$1,660	$2,090	$2,480
49464	$950	$1,200	$1,370	$1,740	$2,040
49534	$1,240	$1,360	$1,600	$2,070	$2,380
49544	$1,230	$1,290	$1,540	$2,000	$2,280

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

HUD income limits for Ottawa County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $113,700 (FY2025: $110,600, +2.8%). 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%)	$23,900 +2.8%	$27,300 +2.6%	$30,700 +2.7%	$34,100 +2.7%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$39,800 +2.7%	$45,500 +2.8%	$51,200 +2.8%	$56,850 +2.8%	$61,400 +2.8%	$65,950 +2.8%	$70,500 +2.8%	$75,050 +2.8%
Low income (80%)	$63,700 +2.8%	$72,800 +2.8%	$81,900 +2.8%	$90,950 +2.8%	$98,250 +2.8%	$105,550 +2.8%	$112,800 +2.8%	$120,100 +2.8%

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.