St. Joseph County fair market rent FY 2027Indiana, HUD studio to 4 bedrooms
HUD's FY 2027 Fair Market Rent for a two-bedroom home in St. Joseph County, Indiana is $1,276 a month, effective October 1, 2026: $937 for a studio, $1,093 for one bedroom, $1,545 for three and $1,677 for four. It is set for the South Bend-Mishawaka, IN HUD Metro FMR Area. The FY 2026 two-bedroom FMR was $1,292 (-1.2%).
St. Joseph County Fair Market Rents by bedrooms
| Bedrooms | FY 2027 | FY 2026 | Change | Payment standard basic range |
|---|---|---|---|---|
| Studio | $937 | $898 | +4.3% | $843 to $1,030 |
| 1 bedroom | $1,093 | $1,105 | -1.1% | $983 to $1,202 |
| 2 bedrooms | $1,276 | $1,292 | -1.2% | $1,148 to $1,403 |
| 3 bedrooms | $1,545 | $1,567 | -1.4% | $1,390 to $1,699 |
| 4 bedrooms | $1,677 | $1,711 | -2.0% | $1,509 to $1,844 |
Monthly gross rent (rent plus tenant-paid utilities except telephone). FY 2027 runs October 1, 2026 to September 30, 2027. The payment standard basic range is 90 to 110 percent of the FMR (24 CFR 982.503(c)); the local housing agency sets the actual payment standard.
How St. Joseph County compares
St. Joseph County's two-bedroom FMR of $1,276 is the 18th highest of 92 counties in Indiana, where the county median is $1,086 and the range $1,014 to $1,536. Across all 3,144 US counties the median two-bedroom FMR is $1,071; St. Joseph County ranks 876th.
Small Area FMRs and ZIP codes
HUD also publishes Small Area FMRs by ZIP code for metropolitan areas. For the South Bend-Mishawaka, IN HUD Metro FMR Area it lists 30 ZIP codes, with two-bedroom Small Area FMRs from $1,170 to $1,910. This area is not one of HUD's designated Small Area FMR areas, so agencies use the area-wide FMR above unless they opt in.
Look up any ZIP code: fair market rent by ZIP code.
Fair market rents in nearby counties
All Indiana counties · Fair market rents in every state
More for St. Joseph County
- St. Joseph County loan limitsThis year's FHFA conforming, FHA and VA county loan limits for 1 to 4 unit homes, from FHFA's and HUD's official files.
- St. Joseph County property tax rateEffective property tax rate from Census survey data: median taxes paid against median home value, ranked in the state.
- Title insurance premium calculatorOwner's and lender's policy premiums from the official rate schedules of Texas, Florida, Pennsylvania and New York.
- Seller net sheet and closing costsNet proceeds after the payoff, commission, transfer taxes, title premiums and recording fees.
- Real estate transfer tax calculatorDeed transfer taxes for New York, Florida, Pennsylvania, Illinois, the Carolinas, Arkansas, Texas and Arizona.
- Flood zone lookupThe FEMA flood zone mapped at any US address. A screening check, not an official flood zone determination.
Check a St. Joseph County property
HeritageDeed does not search title records in St. Joseph County yet; the counties it covers are listed under title search coverage, where a title report is $49 per report. For any US address, the Environmental Records Report lists Superfund, hazardous waste, leaking tank and brownfield sites nearby, with the flood zone.
Questions about St. Joseph County fair market rent
What is the fair market rent in St. Joseph County for FY 2027?
$937 for a studio, $1,093 for one bedroom, $1,276 for two, $1,545 for three and $1,677 for four bedrooms a month. FY 2027 runs from October 1, 2026 to September 30, 2027.
What was the fair market rent in St. Joseph County for FY 2026?
$898 for a studio, $1,105 for one bedroom, $1,292 for two, $1,567 for three and $1,711 for four bedrooms (FY 2026, October 1, 2025 to September 30, 2026).
What is the Section 8 voucher amount for a 2 bedroom in St. Joseph County?
The housing agency sets a payment standard, usually within the basic range of 90 to 110 percent of the FMR: $1,148 to $1,403 for two bedrooms here. The voucher then pays the lower of the payment standard or the gross rent, minus the family's total tenant payment, usually 30 percent of adjusted monthly income (24 CFR 982.505 and 5.628). The local housing agency publishes its own schedule.
Does fair market rent include utilities?
Yes. HUD's rule defines Fair Market Rents as "estimates of rent plus the cost of utilities, except telephone", set at the 40th percentile of rents for standard-quality units rented by recent movers (24 CFR 888.113).
Is St. Joseph County's fair market rent high for Indiana?
$1,276 for two bedrooms ranks 18th of 92 counties in Indiana; the state's county median is $1,086 (range $1,014 to $1,536) and the national county median is $1,071.
Legal references
- 24 CFR 888.113, Fair market rents for existing housing: methodology
- 24 CFR 982.503, Voucher tenancy: payment standard amount and schedule
- 24 CFR 982.505, How to calculate housing assistance payment
JSON: /api/data/fair-market-rent/indiana/st-joseph-county. Fair Market Rents are HUD program figures, not an appraisal of any unit's rent.