Fair Market Rent · Indiana
Fair Market Rent in St. Joseph County, IN
FY2027 HUD figures, effective October 1, 2026, plus what renters pay by ZIP code.
HUD's FY2027 Fair Market Rent for a 2-bedroom home in St. Joseph County is $1,276 a month, -1.2% from FY2026. St. Joseph County is part of the South Bend-Mishawaka, IN HUD Metro FMR Area (a metro area). HUD also publishes Small Area FMRs by ZIP code here; those can be higher or lower than the area-wide figure. See each ZIP code below.
Area-wide Fair Market Rents
| Size | FY2027 | FY2026 | Change | Typical voucher range (90–110%) |
|---|---|---|---|---|
| Studio | $937 | $898 | +4.3% | $843–1,031 |
| 1 bedroom | $1,093 | $1,105 | -1.1% | $984–1,202 |
| 2 bedrooms | $1,276 | $1,292 | -1.2% | $1,148–1,404 |
| 3 bedrooms | $1,545 | $1,567 | -1.4% | $1,390–1,700 |
| 4 bedrooms | $1,677 | $1,711 | -2% | $1,509–1,845 |
The voucher range is the typical band housing authorities use for payment standards; your housing authority sets the actual standard.
Rents by ZIP code in St. Joseph County
Open a ZIP code for every size, the spread of rents and nearby ZIP codes.
| ZIP | Place | 2-bedroom FMR (ZIP) | Census median, 2 bedrooms | Census median, all sizes |
|---|---|---|---|---|
| 46530 | Granger | $1,910 | $1,834 | $1,754 |
| 46536 | Lakeville | $1,170 | $948 | $877 |
| 46544 | Mishawaka | $1,240 | $977 | $1,012 |
| 46545 | Mishawaka | $1,350 | $1,119 | $1,027 |
| 46552 | New Carlisle | $1,260 | $1,259 | $1,043 |
| 46554 | North Liberty | $1,170 | $1,041 | $960 |
| 46556 | Notre Dame | $1,370 | $1,286 | $1,211 |
| 46561 | Osceola | $1,420 | $1,160 | $1,199 |
| 46595 | Wyatt | $1,280 | – | – |
| 46601 | South Bend | $1,170 | $900 | $866 |
| 46613 | South Bend | $1,220 | $985 | $990 |
| 46614 | South Bend | $1,170 | $956 | $925 |
| 46615 | South Bend | $1,180 | $973 | $988 |
| 46616 | South Bend | $1,280 | $1,082 | $1,084 |
| 46617 | South Bend | $1,770 | $1,579 | $1,479 |
| 46619 | South Bend | $1,190 | $938 | $993 |
| 46624 | South Bend | $1,210 | – | – |
| 46628 | South Bend | $1,310 | $1,102 | $1,104 |
| 46635 | South Bend | $1,170 | $1,354 | $955 |
| 46637 | South Bend | $1,420 | $1,157 | $1,163 |
Sources: HUD Fair Market Rents and Small Area Fair Market Rents, FY2027 (effective October 1, 2026) and FY2026; U.S. Census Bureau, 2020–2024 American Community Survey 5-year estimates (median gross rent by ZIP code). Fair Market Rents and Census figures include utilities. Not affiliated with HUD or the Census Bureau. About the data.