Lower-half FMR gap - Elkhart-Goshen, IN MSA
Displayed gap in Elkhart-Goshen, IN MSA: +17.6% (HUD $1,183 vs ACS $1,006) · counties in FMR rows: Elkhart County .
FMR gap dispatch plate
CBSA 21140 · Elkhart-Goshen, IN -17.6% shortfall
GAP-GENEROUS · FMR-BELOW · SPREAD-PLUS · PHOTO-FINISH · COUNTY-SPARSE · BOOK-FULL
- GAP-GENEROUS 17.6% surplus
- FMR-BELOW #136/396 · P34
- SPREAD-PLUS +$177
- PHOTO-FINISH Detroit-Warren-Dea
- COUNTY-SPARSE 1 county
- BOOK-FULL HUD+ACS pair
Nearest shortfall peer: Detroit-Warren-Dearborn, MI Metro Area (+0.0pp)
HUD's reference overshoots the ACS median by $177/mo. Lease-up odds are usually better than in shortfall markets, though still compare Detroit-Warren-Dearborn, MI 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 Elkhart-Goshen, IN
Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.
- Gainesville -17.47
Gainesville: -17.5% shortfall
-17.47 % shortfall
- Jacksonville -17.54
Jacksonville: -17.5% shortfall
-17.54 % shortfall
- Detroit-Warren-D -17.58
Detroit-Warren-D: -17.6% shortfall
-17.58 % shortfall
- Elkhart-Goshen · this metro -17.59
Elkhart-Goshen · this metro: -17.6% shortfall
-17.59 % shortfall
- Milwaukee-Waukes -17.68
Milwaukee-Waukes: -17.7% shortfall
-17.68 % shortfall
How does Elkhart-Goshen, IN compare with nearby FMR areas?
These are the twelve metros closest to Elkhart-Goshen, IN on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.
- Detroit-Warren-Dearborn, MI Metro Area
-17.6% shortfall · HUD $1,411 vs ACS $1,200 · $+$211/mo
HUD FMR-area counties: Lapeer County, Macomb County, Oakland County, St. Clair County, Wayne County.
- Jacksonville, NC Metro Area
-17.5% shortfall · HUD $1,173 vs ACS $998 · $+$175/mo
HUD FMR-area counties: Onslow County.
- Milwaukee-Waukesha, WI Metro Area
-17.7% shortfall · HUD $1,338 vs ACS $1,137 · $+$201/mo
HUD FMR-area counties: Milwaukee County, Ozaukee County, Washington County, Waukesha County.
- Gainesville, FL Metro Area
-17.5% shortfall · HUD $1,493 vs ACS $1,271 · $+$222/mo
HUD FMR-area counties: Alachua County, Gilchrist County.
- Fayetteville, NC Metro Area
-17.5% shortfall · HUD $1,251 vs ACS $1,065 · $+$186/mo
HUD FMR-area counties: Cumberland County.
- Gulfport-Biloxi, MS Metro Area
-17.4% shortfall · HUD $1,140 vs ACS $971 · $+$169/mo
HUD FMR-area counties: Hancock County, Harrison County.
- Louisville/Jefferson County, KY-IN Metro Area
-17.8% shortfall · HUD $1,272 vs ACS $1,080 · $+$192/mo
HUD FMR-area counties: Bullitt County, Clark County, Floyd County, Harrison County, Henry County, Jefferson County.
- Naples-Marco Island, FL Metro Area
-17.8% shortfall · HUD $1,986 vs ACS $1,686 · $+$300/mo
HUD FMR-area counties: Collier County.
- Abilene, TX Metro Area
-17.8% shortfall · HUD $1,276 vs ACS $1,083 · $+$193/mo
HUD FMR-area counties: Callahan County, Jones County, Taylor County.
- Hot Springs, AR Metro Area
-17.8% shortfall · HUD $1,090 vs ACS $925 · $+$165/mo
HUD FMR-area counties: Garland County.
- Stockton-Lodi, CA Metro Area
-17.3% shortfall · HUD $1,742 vs ACS $1,485 · $+$257/mo
HUD FMR-area counties: San Joaquin County.
- Corvallis, OR Metro Area
-17.9% shortfall · HUD $1,622 vs ACS $1,376 · $+$246/mo
HUD FMR-area counties: Benton County.
Source: HUD USER FY2026 Fair Market Rent area records and Census ACS 2019–2023 median gross rent.
IN FMR scale context
These are the closest FY2026 2-BR FMR values in IN; they help place this HUD reference on its state scale, but do not substitute for each metro’s ACS rent comparison.
- Bloomington, IN HUD Metro FMR Area $1,210 (+$27)
- Michigan City-La Porte, IN MSA $1,152 (−$31)
- Lafayette-West Lafayette, IN HUD Metro FMR Area $1,242 (+$59)
- Kokomo, IN MSA $1,123 (−$60)
- Evansville, IN MSA $1,113 (−$70)
- Fort Wayne, IN HUD Metro FMR Area $1,113 (−$70)
- Terre Haute, IN HUD Metro FMR Area $1,094 (−$89)
- South Bend-Mishawaka, IN HUD Metro FMR Area $1,292 (+$109)
- Muncie, IN MSA $1,043 (−$140)
- Columbus, IN MSA $1,415 (+$232)
High-FMR contrast (scale only)
Eugene-Springfield, OR MSA ($1,688 2-BR); Durham-Chapel Hill, NC HUD Metro FMR Area ($1,711 2-BR); Fairbanks-College, AK MSA ($1,676 2-BR); Flagstaff, AZ MSA ($1,921 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for Elkhart-Goshen, IN MSA.
Elkhart-Goshen, IN MSA gap inputs
- HUD 2-BR FMR (FY2026): $1,183/mo
- ACS 2019–2023 2-BR median: $1,006/mo
- Displayed gap: +17.6%
- National FMR percentile: 34 (#136/396)
displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100
IN HCV agencies (scale-keyed)
- Housing Authority of the City of Bloomington
- Housing Authority of South Bend
- Housing Authority of the City of Gary Indiana
- Housing Authority of the City of Lafayette
- Housing Authority of the City of Anderson
- Housing Authority of the City of Evansville
- Housing Authority of the City of East Chicago
- Kokomo Housing Authority
Full payment standards for Elkhart-Goshen, IN 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.