Union County, SD: 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).

$1,1942-bedroom FMR, FY2027

$9651-bedroom FMR, FY2027

$78,30080% income limit, family of 4 (FY2026)

$97,900Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Union County is $1,194 a month, up 3.5% from $1,154 in FY2026. Union County belongs to the Sioux City, IA-NE-SD 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 Union County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$831	$796	+4.4%	$748 – $914
1 bedroom	$965	$925	+4.3%	$869 – $1,061
2 bedrooms	$1,194	$1,154	+3.5%	$1,075 – $1,313
3 bedrooms	$1,447	$1,386	+4.4%	$1,303 – $1,591
4 bedrooms	$1,618	$1,528	+5.9%	$1,457 – $1,779

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 Union County that is typically $1,075 to $1,313 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?

$48,750median income of renter households

$1,069Median gross rent, all units

26%Rent-to-income ratio (median rent ÷ median renter income)

39%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $48,750 can afford about $1,219 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,194 is $25 (2.0%) less than that. To rent a two-bedroom at the FMR, a household needs $47,760 a year under the 30% rule, or $42,984 under the common landlord rule that income must be three times the rent.

Union County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,069 ±$63
Median income of renter households	$48,750 ±$11,417
Renters paying 30% or more of income (cost-burdened)	38.7% ±9.6
Renters paying 50% or more (severely cost-burdened)	17.9% ±6.8
Renter households (where the share can be computed)	1,882

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$854	$1,069	+25.2%
Median renter household income	$39,811	$48,750	+22.5%
Renters paying 30%+ of income	26.3%	38.7%	+12.4 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 $1,040 to $1,640 depending on the ZIP code.

All 46 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
51001	$750	$840	$1,040	$1,310	$1,390
51004	$920	$1,070	$1,320	$1,600	$1,790
51006	$750	$910	$1,040	$1,260	$1,380
51007	$800	$920	$1,140	$1,390	$1,550
51015	$730	$840	$1,050	$1,270	$1,430
51016	$780	$900	$1,110	$1,350	$1,500
51018	$720	$840	$1,040	$1,250	$1,380
51019	$770	$870	$1,050	$1,310	$1,520
51023	$780	$840	$1,050	$1,340	$1,430
51026	$730	$840	$1,050	$1,270	$1,430
51028	$750	$840	$1,040	$1,310	$1,390
51030	$720	$840	$1,040	$1,250	$1,400
51034	$740	$840	$1,040	$1,260	$1,650
51039	$740	$860	$1,060	$1,290	$1,440
51044	$820	$930	$1,160	$1,410	$1,630
51048	$760	$840	$1,040	$1,320	$1,420
51052	$730	$850	$1,050	$1,270	$1,420
51054	$1,070	$1,240	$1,540	$1,870	$2,090
51055	$740	$850	$1,060	$1,290	$1,480
51056	$720	$840	$1,040	$1,250	$1,420
51061	$750	$860	$1,040	$1,290	$1,400
51063	$750	$840	$1,040	$1,280	$1,700
51101	$720	$840	$1,040	$1,250	$1,380
51102	$810	$950	$1,170	$1,420	$1,590
51103	$810	$940	$1,160	$1,410	$1,570
51104	$810	$940	$1,160	$1,410	$1,570
51105	$720	$840	$1,040	$1,250	$1,380
51106	$900	$1,040	$1,290	$1,560	$1,750
51108	$1,050	$1,200	$1,490	$1,830	$2,030
51109	$720	$840	$1,040	$1,250	$1,380
51111	$860	$990	$1,230	$1,490	$1,670
57001	$780	$890	$1,050	$1,430	$1,750
57004	$780	$890	$1,070	$1,430	$1,750
57010	$740	$840	$1,040	$1,340	$1,580
57025	$720	$840	$1,040	$1,250	$1,380
57034	$790	$890	$1,070	$1,430	$1,750
57038	$790	$910	$1,130	$1,370	$1,530
57049	$970	$1,130	$1,400	$1,700	$1,900
68030	$720	$840	$1,040	$1,250	$1,380
68731	$830	$960	$1,190	$1,440	$1,610
68733	$840	$890	$1,040	$1,300	$1,500
68741	$940	$1,090	$1,360	$1,630	$1,800
68743	$1,140	$1,330	$1,640	$1,990	$2,220
68770	$900	$910	$1,040	$1,320	$1,590
68776	$880	$1,020	$1,260	$1,530	$1,710
68785	$950	$1,040	$1,220	$1,520	$1,760

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

HUD income limits for Union County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $97,900 (FY2025: $90,100, +8.7%). 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%)	$20,550 +6.2%	$23,500 +6.3%	$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%)	$34,300 +6.5%	$39,200 +6.5%	$44,100 +6.5%	$48,950 +6.4%	$52,900 +6.4%	$56,800 +6.4%	$60,700 +6.4%	$64,650 +6.4%
Low income (80%)	$54,850 +6.4%	$62,650 +6.4%	$70,500 +6.4%	$78,300 +6.4%	$84,600 +6.4%	$90,850 +6.4%	$97,100 +6.4%	$103,400 +6.4%

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.