St. Croix County, WI: 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).

$1,7342-bedroom FMR, FY2027

$1,4271-bedroom FMR, FY2027

$105,20080% income limit, family of 4 (FY2026)

$131,500Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in St. Croix County is $1,734 a month, up 1.5% from $1,709 in FY2026. St. Croix County belongs to the Minneapolis-St. Paul-Bloomington, MN-WI 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 St. Croix County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,265	$1,242	+1.9%	$1,139 – $1,391
1 bedroom	$1,427	$1,405	+1.6%	$1,285 – $1,569
2 bedrooms	$1,734	$1,709	+1.5%	$1,561 – $1,907
3 bedrooms	$2,264	$2,262	+0.1%	$2,038 – $2,490
4 bedrooms	$2,538	$2,531	+0.3%	$2,285 – $2,791

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 St. Croix County that is typically $1,561 to $1,907 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?

$64,348median income of renter households

$1,271Median gross rent, all units

24%Rent-to-income ratio (median rent ÷ median renter income)

34%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $64,348 can afford about $1,609 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,734 is $125 (7.8%) more than that. To rent a two-bedroom at the FMR, a household needs $69,360 a year under the 30% rule, or $62,424 under the common landlord rule that income must be three times the rent.

St. Croix County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,271 ±$78
Median income of renter households	$64,348 ±$7,261
Renters paying 30% or more of income (cost-burdened)	34.4% ±4.2
Renters paying 50% or more (severely cost-burdened)	16.0% ±3.2
Renter households (where the share can be computed)	7,743

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$962	$1,271	+32.1%
Median renter household income	$41,999	$64,348	+53.2%
Renters paying 30%+ of income	41.3%	34.4%	−6.9 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 $1,540 to $2,600 depending on the ZIP code.

All 246 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
54002	$1,120	$1,270	$1,540	$2,040	$2,280
54003	$1,120	$1,270	$1,540	$2,040	$2,280
54005	$1,120	$1,270	$1,540	$2,040	$2,280
54007	$1,120	$1,270	$1,540	$2,040	$2,280
54011	$1,120	$1,270	$1,540	$2,040	$2,280
54013	$1,120	$1,270	$1,540	$2,040	$2,280
54014	$1,120	$1,270	$1,540	$2,040	$2,280
54015	$1,120	$1,270	$1,540	$2,040	$2,280
54016	$1,230	$1,390	$1,690	$2,210	$2,470
54017	$1,120	$1,270	$1,540	$2,040	$2,280
54020	$1,120	$1,270	$1,540	$2,040	$2,280
54021	$1,120	$1,270	$1,540	$2,040	$2,280
54022	$1,120	$1,270	$1,540	$2,040	$2,280
54023	$1,400	$1,580	$1,920	$2,510	$2,810
54025	$1,120	$1,270	$1,540	$2,040	$2,280
54026	$1,120	$1,270	$1,540	$2,040	$2,280
54027	$1,120	$1,270	$1,540	$2,040	$2,280
54028	$1,120	$1,270	$1,540	$2,040	$2,280
54082	$1,140	$1,290	$1,570	$2,050	$2,300
54721	$1,120	$1,270	$1,540	$2,040	$2,280
54723	$1,120	$1,270	$1,540	$2,040	$2,280
54734	$1,120	$1,270	$1,540	$2,040	$2,280
54740	$1,120	$1,270	$1,540	$2,040	$2,280
54749	$1,120	$1,270	$1,540	$2,040	$2,280
54750	$1,120	$1,270	$1,540	$2,040	$2,280
54751	$1,120	$1,270	$1,540	$2,040	$2,280
54759	$1,120	$1,270	$1,540	$2,040	$2,280
54761	$1,120	$1,270	$1,540	$2,040	$2,280
54767	$1,120	$1,270	$1,540	$2,040	$2,280
54769	$1,120	$1,270	$1,540	$2,040	$2,280
55001	$1,290	$1,460	$1,770	$2,320	$2,600
55003	$1,170	$1,330	$1,610	$2,100	$2,360
55005	$1,530	$1,730	$2,100	$2,740	$3,070
55006	$1,120	$1,270	$1,540	$2,040	$2,280
55008	$1,160	$1,310	$1,590	$2,080	$2,330
55009	$1,120	$1,270	$1,540	$2,040	$2,280
55010	$1,340	$1,510	$1,830	$2,390	$2,680
55011	$1,590	$1,790	$2,180	$2,850	$3,190
55012	$1,120	$1,270	$1,540	$2,040	$2,280
55013	$1,120	$1,270	$1,540	$2,040	$2,280
55014	$1,360	$1,530	$1,860	$2,430	$2,720
55016	$1,520	$1,710	$2,080	$2,720	$3,040
55017	$1,620	$1,830	$2,230	$2,950	$3,300
55018	$1,160	$1,350	$1,650	$2,250	$2,750
55020	$1,570	$1,770	$2,150	$2,800	$3,150
55024	$1,270	$1,430	$1,740	$2,270	$2,550
55025	$1,250	$1,420	$1,720	$2,250	$2,520
55029	$1,160	$1,310	$1,590	$2,080	$2,330
55031	$1,120	$1,270	$1,540	$2,040	$2,280
55032	$1,170	$1,330	$1,620	$2,140	$2,390
55033	$1,120	$1,270	$1,540	$2,040	$2,280
55038	$1,560	$1,760	$2,140	$2,790	$3,130
55040	$1,120	$1,270	$1,540	$2,040	$2,280
55042	$1,320	$1,490	$1,810	$2,370	$2,660
55043	$1,370	$1,550	$1,880	$2,450	$2,750
55044	$1,580	$1,790	$2,170	$2,830	$3,180
55045	$1,120	$1,270	$1,540	$2,040	$2,280
55047	$1,900	$2,140	$2,600	$3,390	$3,810
55054	$1,850	$2,080	$2,530	$3,300	$3,700
55055	$1,120	$1,270	$1,540	$2,040	$2,280
55056	$1,120	$1,270	$1,540	$2,040	$2,280
55057	$1,120	$1,270	$1,540	$2,040	$2,280
55065	$1,390	$1,570	$1,910	$2,490	$2,800
55068	$1,430	$1,610	$1,960	$2,560	$2,870
55069	$1,120	$1,270	$1,540	$2,040	$2,280
55070	$1,120	$1,270	$1,540	$2,040	$2,280
55071	$1,790	$2,020	$2,450	$3,200	$3,590
55073	$1,120	$1,270	$1,540	$2,040	$2,280
55074	$1,120	$1,270	$1,540	$2,040	$2,280
55075	$1,120	$1,270	$1,540	$2,040	$2,280
55076	$1,200	$1,360	$1,650	$2,150	$2,410
55077	$1,310	$1,480	$1,800	$2,350	$2,630
55079	$1,380	$1,560	$1,890	$2,470	$2,770
55080	$1,120	$1,270	$1,540	$2,070	$2,340
55082	$1,240	$1,400	$1,700	$2,220	$2,490
55083	$1,470	$1,650	$2,010	$2,620	$2,940
55084	$1,120	$1,270	$1,540	$2,040	$2,280
55085	$1,120	$1,270	$1,540	$2,040	$2,280
55088	$1,120	$1,270	$1,540	$2,040	$2,280
55089	$1,210	$1,430	$1,730	$2,360	$2,840
55090	$1,510	$1,700	$2,070	$2,700	$3,030
55092	$1,120	$1,270	$1,540	$2,040	$2,280
55101	$1,440	$1,630	$1,980	$2,590	$2,900
55102	$1,270	$1,430	$1,740	$2,270	$2,550
55103	$1,120	$1,270	$1,540	$2,040	$2,280
55104	$1,160	$1,310	$1,590	$2,080	$2,330
55105	$1,210	$1,370	$1,660	$2,170	$2,430
55106	$1,120	$1,270	$1,540	$2,040	$2,280
55107	$1,220	$1,370	$1,670	$2,180	$2,440
55108	$1,260	$1,420	$1,730	$2,260	$2,530
55109	$1,200	$1,350	$1,640	$2,140	$2,400
55110	$1,340	$1,510	$1,830	$2,390	$2,680
55111	$1,120	$1,270	$1,540	$2,040	$2,280
55112	$1,190	$1,340	$1,630	$2,130	$2,390
55113	$1,280	$1,450	$1,760	$2,300	$2,580
55114	$1,420	$1,600	$1,950	$2,550	$2,850
55115	$1,510	$1,700	$2,070	$2,700	$3,030
55116	$1,290	$1,460	$1,770	$2,310	$2,590
55117	$1,120	$1,270	$1,540	$2,040	$2,280
55118	$1,180	$1,330	$1,620	$2,120	$2,370
55119	$1,190	$1,340	$1,630	$2,130	$2,390
55120	$1,360	$1,540	$1,870	$2,440	$2,740
55121	$1,430	$1,610	$1,960	$2,560	$2,870
55122	$1,340	$1,510	$1,840	$2,400	$2,690
55123	$1,400	$1,580	$1,920	$2,510	$2,810
55124	$1,490	$1,680	$2,040	$2,660	$2,990
55125	$1,620	$1,830	$2,220	$2,900	$3,250
55126	$1,390	$1,570	$1,910	$2,490	$2,800
55127	$1,460	$1,650	$2,000	$2,610	$2,930
55128	$1,290	$1,460	$1,770	$2,310	$2,590
55129	$1,690	$1,900	$2,310	$3,020	$3,380
55130	$1,120	$1,270	$1,540	$2,040	$2,280
55150	$1,120	$1,270	$1,540	$2,040	$2,280
55155	$1,170	$1,320	$1,600	$2,090	$2,340
55301	$1,310	$1,480	$1,800	$2,350	$2,630
55302	$1,120	$1,270	$1,540	$2,040	$2,280
55303	$1,230	$1,390	$1,690	$2,210	$2,470
55304	$1,460	$1,650	$2,000	$2,610	$2,930
55305	$1,550	$1,750	$2,130	$2,780	$3,120
55306	$1,420	$1,600	$1,940	$2,530	$2,840
55308	$1,120	$1,270	$1,540	$2,040	$2,280
55309	$1,310	$1,480	$1,800	$2,350	$2,630
55311	$1,630	$1,840	$2,240	$2,920	$3,280
55313	$1,120	$1,270	$1,540	$2,040	$2,280
55315	$1,260	$1,420	$1,730	$2,260	$2,530
55316	$1,420	$1,600	$1,950	$2,550	$2,850
55317	$1,560	$1,760	$2,140	$2,790	$3,130
55318	$1,310	$1,470	$1,790	$2,340	$2,620
55319	$1,120	$1,270	$1,540	$2,040	$2,280
55320	$1,120	$1,270	$1,540	$2,040	$2,280
55321	$1,120	$1,270	$1,540	$2,040	$2,280
55322	$1,200	$1,350	$1,640	$2,140	$2,400
55323	$1,310	$1,470	$1,790	$2,340	$2,620
55325	$1,120	$1,270	$1,540	$2,040	$2,280
55327	$1,140	$1,280	$1,560	$2,040	$2,280
55328	$1,120	$1,270	$1,540	$2,040	$2,280
55330	$1,220	$1,370	$1,670	$2,180	$2,440
55331	$1,120	$1,270	$1,540	$2,040	$2,280
55337	$1,360	$1,540	$1,870	$2,440	$2,740
55338	$1,120	$1,270	$1,540	$2,040	$2,280
55339	$1,120	$1,270	$1,540	$2,040	$2,280
55340	$1,370	$1,540	$1,880	$2,450	$2,750
55341	$1,140	$1,280	$1,560	$2,040	$2,280
55343	$1,380	$1,560	$1,890	$2,470	$2,770
55344	$1,550	$1,750	$2,130	$2,780	$3,120
55345	$1,390	$1,570	$1,910	$2,490	$2,800
55346	$1,660	$1,870	$2,270	$2,960	$3,320
55347	$1,740	$1,970	$2,390	$3,120	$3,500
55349	$1,120	$1,270	$1,540	$2,040	$2,280
55352	$1,120	$1,270	$1,540	$2,040	$2,280
55356	$1,620	$1,830	$2,220	$2,900	$3,250
55357	$1,120	$1,270	$1,540	$2,040	$2,280
55358	$1,120	$1,270	$1,540	$2,040	$2,280
55359	$1,120	$1,270	$1,540	$2,040	$2,280
55360	$1,280	$1,440	$1,750	$2,290	$2,560
55361	$1,310	$1,470	$1,790	$2,340	$2,620
55362	$1,240	$1,400	$1,700	$2,220	$2,490
55363	$1,240	$1,400	$1,700	$2,220	$2,490
55364	$1,150	$1,300	$1,580	$2,060	$2,310
55367	$1,120	$1,270	$1,540	$2,040	$2,280
55368	$1,130	$1,280	$1,550	$2,040	$2,280
55369	$1,580	$1,780	$2,160	$2,820	$3,160
55371	$1,120	$1,270	$1,540	$2,040	$2,280
55372	$1,280	$1,440	$1,750	$2,290	$2,560
55373	$1,120	$1,270	$1,540	$2,040	$2,280
55374	$1,430	$1,610	$1,960	$2,560	$2,870
55375	$1,120	$1,270	$1,540	$2,040	$2,280
55376	$1,180	$1,330	$1,620	$2,120	$2,370
55378	$1,480	$1,670	$2,030	$2,650	$2,970
55379	$1,380	$1,560	$1,890	$2,470	$2,770
55381	$1,120	$1,270	$1,540	$2,040	$2,280
55382	$1,210	$1,360	$1,680	$2,230	$2,540
55384	$1,120	$1,270	$1,540	$2,040	$2,280
55386	$1,900	$2,140	$2,600	$3,390	$3,810
55387	$1,220	$1,370	$1,670	$2,180	$2,440
55388	$1,120	$1,270	$1,540	$2,040	$2,280
55390	$1,120	$1,270	$1,540	$2,040	$2,280
55391	$1,430	$1,610	$1,960	$2,560	$2,870
55395	$1,120	$1,270	$1,540	$2,040	$2,280
55397	$1,120	$1,270	$1,540	$2,040	$2,280
55398	$1,150	$1,300	$1,580	$2,060	$2,310
55401	$1,900	$2,140	$2,600	$3,390	$3,810
55402	$1,490	$1,680	$2,040	$2,660	$2,990
55403	$1,280	$1,450	$1,760	$2,300	$2,580
55404	$1,190	$1,340	$1,630	$2,130	$2,390
55405	$1,120	$1,270	$1,540	$2,040	$2,280
55406	$1,250	$1,410	$1,710	$2,230	$2,500
55407	$1,140	$1,280	$1,560	$2,040	$2,280
55408	$1,440	$1,630	$1,980	$2,590	$2,900
55409	$1,200	$1,360	$1,650	$2,150	$2,410
55410	$1,490	$1,680	$2,040	$2,660	$2,990
55411	$1,230	$1,390	$1,690	$2,210	$2,470
55412	$1,290	$1,460	$1,770	$2,310	$2,590
55413	$1,420	$1,600	$1,950	$2,550	$2,850
55414	$1,240	$1,400	$1,700	$2,220	$2,490
55415	$1,750	$1,980	$2,400	$3,130	$3,510
55416	$1,660	$1,880	$2,280	$2,980	$3,340
55417	$1,250	$1,420	$1,720	$2,250	$2,520
55418	$1,350	$1,520	$1,850	$2,420	$2,710
55419	$1,370	$1,550	$1,880	$2,450	$2,750
55420	$1,160	$1,310	$1,590	$2,080	$2,330
55421	$1,170	$1,330	$1,610	$2,100	$2,360
55422	$1,380	$1,560	$1,890	$2,470	$2,770
55423	$1,270	$1,430	$1,740	$2,270	$2,550
55424	$1,670	$1,880	$2,290	$2,990	$3,350
55425	$1,340	$1,510	$1,840	$2,400	$2,690
55426	$1,340	$1,510	$1,830	$2,390	$2,680
55427	$1,300	$1,460	$1,780	$2,320	$2,610
55428	$1,150	$1,300	$1,580	$2,060	$2,310
55429	$1,120	$1,270	$1,540	$2,040	$2,280
55430	$1,210	$1,370	$1,660	$2,170	$2,430
55431	$1,520	$1,720	$2,090	$2,730	$3,060
55432	$1,170	$1,320	$1,600	$2,090	$2,340
55433	$1,250	$1,410	$1,710	$2,230	$2,500
55434	$1,530	$1,730	$2,100	$2,740	$3,070
55435	$1,550	$1,750	$2,130	$2,780	$3,120
55436	$1,590	$1,790	$2,180	$2,850	$3,190
55437	$1,420	$1,600	$1,940	$2,530	$2,840
55438	$1,360	$1,540	$1,870	$2,440	$2,740
55439	$1,450	$1,640	$1,990	$2,600	$2,910
55440	$1,310	$1,470	$1,790	$2,340	$2,620
55441	$1,380	$1,560	$1,890	$2,470	$2,770
55442	$1,610	$1,810	$2,200	$2,870	$3,220
55443	$1,150	$1,290	$1,570	$2,050	$2,300
55444	$1,270	$1,430	$1,740	$2,270	$2,550
55445	$1,820	$2,060	$2,500	$3,260	$3,660
55446	$1,670	$1,880	$2,290	$2,990	$3,350
55447	$1,490	$1,680	$2,040	$2,660	$2,990
55448	$1,510	$1,700	$2,070	$2,700	$3,030
55449	$1,530	$1,730	$2,100	$2,740	$3,070
55450	$1,170	$1,310	$1,600	$2,110	$2,360
55454	$1,120	$1,270	$1,540	$2,040	$2,280
55455	$1,140	$1,280	$1,560	$2,040	$2,280
55458	$1,310	$1,470	$1,790	$2,340	$2,620
55474	$1,310	$1,470	$1,790	$2,340	$2,620
55479	$1,310	$1,470	$1,790	$2,340	$2,620
55480	$1,310	$1,470	$1,790	$2,340	$2,620
55487	$1,310	$1,470	$1,790	$2,340	$2,620
56011	$1,170	$1,320	$1,610	$2,110	$2,380
56044	$1,120	$1,270	$1,540	$2,040	$2,280
56071	$1,130	$1,270	$1,550	$2,070	$2,330
56304	$1,120	$1,270	$1,540	$2,040	$2,280
56329	$1,120	$1,270	$1,540	$2,040	$2,280
56353	$1,120	$1,270	$1,540	$2,040	$2,280
56358	$1,120	$1,270	$1,540	$2,040	$2,280
56379	$1,120	$1,270	$1,540	$2,040	$2,280

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

HUD income limits for St. Croix County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $131,500 (FY2025: $132,400, −0.7%). 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%)	$27,650 −0.5%	$31,600 −0.6%	$35,550 −0.6%	$39,450 −0.6%	$42,650 −0.6%	$45,800 −0.7%	$50,040 +1.6%	$55,720 +2.9%
Very low income (50%)	$46,050 −0.6%	$52,600 −0.8%	$59,200 −0.7%	$65,750 −0.7%	$71,050 −0.6%	$76,300 −0.7%	$81,550 −0.7%	$86,800 −0.7%
Low income (80%)	$73,650 +1.0%	$84,200 +1.0%	$94,700 +1.0%	$105,200 +1.0%	$113,650 +1.0%	$122,050 +1.0%	$130,450 +0.9%	$138,900 +1.0%

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.