HUD FY2026 · ACS 2019–2023 generous below-median

Lower-half FMR gap - Duluth, MN-WI MSA

Displayed gap in Duluth, MN-WI MSA: +22.2% (HUD $1,232 vs ACS $1,008) · counties in FMR rows: Carlton County, Douglas County, St. Louis County .

FMR gap dispatch plate

CBSA 20260 · Duluth, MN-WI -22.2% shortfall

GAP-GENEROUS · FMR-BELOW · SPREAD-PLUS · PHOTO-FINISH · COUNTY-MID · BOOK-FULL

  • GAP-GENEROUS 22.2% surplus
  • FMR-BELOW #160/396 · P40
  • SPREAD-PLUS +$224
  • PHOTO-FINISH Oshkosh-Neenah
  • COUNTY-MID 3 counties
  • BOOK-FULL HUD+ACS pair

Nearest shortfall peer: Oshkosh-Neenah, WI Metro Area (-0.0pp)

HUD's reference overshoots the ACS median by $224/mo. Lease-up odds are usually better than in shortfall markets, though still compare Oshkosh-Neenah, WI Metro Area before assuming portability helps.

Instrument codes from this metro’s HUD FMR vs ACS shortfall band, national FMR quartile, dollar spread, gap peer, county footprint, and book completeness, not a moving recommendation.

Shortfall neighbourhood around Duluth, MN-WI

Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.

% shortfall
Source HUD USER FMR + Census ACS median gross rent As of 2026-08-25

How does Duluth, MN-WI compare with nearby FMR areas?

These are the twelve metros closest to Duluth, MN-WI on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.

  1. Oshkosh-Neenah, WI Metro Area

    -22.2% shortfall · HUD $1,149 vs ACS $940 · $+$209/mo

    HUD FMR-area counties: Winnebago County.

  2. Grants Pass, OR Metro Area

    -22.2% shortfall · HUD $1,363 vs ACS $1,115 · $+$248/mo

    HUD FMR-area counties: Josephine County.

  3. Youngstown-Warren, OH Metro Area

    -22.2% shortfall · HUD $973 vs ACS $796 · $+$177/mo

    HUD FMR-area counties: Mahoning County, Trumbull County.

  4. Elmira, NY Metro Area

    -22.2% shortfall · HUD $1,283 vs ACS $1,050 · $+$233/mo

    HUD FMR-area counties: Chemung County.

  5. Owensboro, KY Metro Area

    -22.3% shortfall · HUD $1,110 vs ACS $908 · $+$202/mo

    HUD FMR-area counties: Daviess County, McLean County.

  6. Lima, OH Metro Area

    -22.2% shortfall · HUD $1,108 vs ACS $907 · $+$201/mo

    HUD FMR-area counties: Allen County.

  7. Mount Vernon-Anacortes, WA Metro Area

    -22.2% shortfall · HUD $1,720 vs ACS $1,408 · $+$312/mo

    HUD FMR-area counties: Skagit County.

  8. Dalton, GA Metro Area

    -22.1% shortfall · HUD $1,009 vs ACS $826 · $+$183/mo

    HUD FMR-area counties: Murray County.

  9. Charleston-North Charleston, SC Metro Area

    -22.3% shortfall · HUD $1,787 vs ACS $1,461 · $+$326/mo

    HUD FMR-area counties: Berkeley County, Charleston County, Dorchester County.

  10. Olympia-Lacey-Tumwater, WA Metro Area

    -22.1% shortfall · HUD $1,960 vs ACS $1,605 · $+$355/mo

    HUD FMR-area counties: Thurston County.

  11. Dover, DE Metro Area

    -22.1% shortfall · HUD $1,470 vs ACS $1,204 · $+$266/mo

    HUD FMR-area counties: Kent County.

  12. Medford, OR Metro Area

    -22.0% shortfall · HUD $1,530 vs ACS $1,254 · $+$276/mo

    HUD FMR-area counties: Jackson County.

Source: HUD USER FY2026 Fair Market Rent area records and Census ACS 2019–2023 median gross rent.

MN FMR scale context

These are the closest FY2026 2-BR FMR values in MN; they help place this HUD reference on its state scale, but do not substitute for each metro’s ACS rent comparison.

  1. St. Cloud, MN MSA $1,206 (−$26)
  2. Mankato, MN MSA $1,171 (−$61)
  3. Rochester, MN HUD Metro FMR Area $1,407 (+$175)
  4. Rock County, MN HUD Metro FMR Area $973 (−$259)
  5. Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area $1,709 (+$477)

High-FMR contrast (scale only)

Durham-Chapel Hill, NC HUD Metro FMR Area ($1,711 2-BR); Denver-Aurora-Centennial, CO MSA ($2,089 2-BR); Palm Coast, FL HUD Metro FMR Area ($1,806 2-BR); Dallas, TX HUD Metro FMR Area ($1,931 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for Duluth, MN-WI MSA.

Duluth, MN-WI MSA gap inputs

  • HUD 2-BR FMR (FY2026): $1,232/mo
  • ACS 2019–2023 2-BR median: $1,008/mo
  • Displayed gap: +22.2%
  • National FMR percentile: 40 (#160/396)

displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100

Issuing PHAs for Duluth, MN-WI MSA

MN HCV agencies (scale-keyed)

Full payment standards for Duluth, MN-WI MSA · Payment standards vs FMR

Source: HUD USER Fair Market Rent FY2026, Census ACS median gross rent. Gap is PlainVoucher-derived. Methodology.

Disclaimer. For informational purposes only, not a substitute for PHA counseling or legal advice. Median gross rent reflects rents paid by current tenants; asking rents for available units typically run higher. Actual PHA payment standards can differ from HUD FMR by ±10%. Always confirm the current payment standard with your PHA. PlainVoucher is not affiliated with HUD or any PHA.

Verify with HUD → · Verify with U.S. Census Bureau →

Source and method. PlainVoucher compiles public HUD and U.S. Census release data into a searchable reference. Release periods and source boundaries are identified on each data surface; PlainVoucher does not determine eligibility, waitlist status, payment standards, or local PHA rules. Read our editorial standards and corrections policy, methodology, or report a data error. Data current as of 2026-08-25.