HUD FY2026 · ACS 2019–2023 generous bottom-quartile

Low-FMR metro gap - Saginaw, MI MSA

Displayed gap in Saginaw, MI MSA: +21.0% (HUD $1,117 vs ACS $923) · counties in FMR rows: Saginaw County .

FMR gap dispatch plate

CBSA 40980 · Saginaw, MI -21.0% shortfall

GAP-GENEROUS · FMR-BOTTOM · SPREAD-PLUS · PHOTO-FINISH · COUNTY-SPARSE · BOOK-FULL

  • GAP-GENEROUS 21.0% surplus
  • FMR-BOTTOM #95/396 · P24
  • SPREAD-PLUS +$194
  • PHOTO-FINISH Brownsville-Harlin
  • COUNTY-SPARSE 1 county
  • BOOK-FULL HUD+ACS pair

Nearest shortfall peer: Brownsville-Harlingen, TX Metro Area (-0.0pp)

HUD's reference overshoots the ACS median by $194/mo. Lease-up odds are usually better than in shortfall markets, though still compare Brownsville-Harlingen, TX 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 Saginaw, MI

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 Saginaw, MI compare with nearby FMR areas?

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

  1. Brownsville-Harlingen, TX Metro Area

    -21.0% shortfall · HUD $1,047 vs ACS $865 · $+$182/mo

    HUD FMR-area counties: Cameron County.

  2. Las Vegas-Henderson-North Las Vegas, NV Metro Area

    -21.0% shortfall · HUD $1,735 vs ACS $1,434 · $+$301/mo

    HUD FMR-area counties: Clark County.

  3. Richmond, VA Metro Area

    -21.1% shortfall · HUD $1,655 vs ACS $1,367 · $+$288/mo

    HUD FMR-area counties: Amelia County, Charles City County, Chesterfield County, Colonial Heights city, Dinwiddie County, Goochland County.

  4. El Paso, TX Metro Area

    -20.9% shortfall · HUD $1,191 vs ACS $985 · $+$206/mo

    HUD FMR-area counties: El Paso County.

  5. Lexington-Fayette, KY Metro Area

    -20.9% shortfall · HUD $1,272 vs ACS $1,052 · $+$220/mo

    HUD FMR-area counties: Bourbon County, Clark County, Fayette County, Jessamine County, Scott County, Woodford County.

  6. Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area

    -21.1% shortfall · HUD $1,810 vs ACS $1,494 · $+$316/mo

    HUD FMR-area counties: Bucks County, Burlington County, Camden County, Cecil County, Chester County, Delaware County.

  7. St. Joseph, MO-KS Metro Area

    -21.1% shortfall · HUD $1,077 vs ACS $889 · $+$188/mo

    HUD FMR-area counties: Andrew County, Buchanan County, DeKalb County, Doniphan County.

  8. Decatur, AL Metro Area

    -20.9% shortfall · HUD $961 vs ACS $795 · $+$166/mo

    HUD FMR-area counties: Lawrence County, Morgan County.

  9. Rochester, MN Metro Area

    -21.2% shortfall · HUD $1,407 vs ACS $1,161 · $+$246/mo

    HUD FMR-area counties: Dodge County, Olmsted County.

  10. Florence-Muscle Shoals, AL Metro Area

    -21.2% shortfall · HUD $1,000 vs ACS $825 · $+$175/mo

    HUD FMR-area counties: Colbert County, Lauderdale County.

  11. Wichita Falls, TX Metro Area

    -21.2% shortfall · HUD $1,136 vs ACS $937 · $+$199/mo

    HUD FMR-area counties: Archer County, Clay County, Wichita County.

  12. Sandusky, OH Metro Area

    -21.3% shortfall · HUD $1,106 vs ACS $912 · $+$194/mo

    HUD FMR-area counties: Erie County.

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

MI FMR scale context

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

  1. Kalamazoo-Portage, MI MSA $1,162 (+$45)
  2. Jackson, MI MSA $1,165 (+$48)
  3. Battle Creek, MI MSA $1,176 (+$59)
  4. Niles, MI MSA $1,184 (+$67)
  5. Midland, MI MSA $1,193 (+$76)
  6. Flint, MI MSA $1,033 (−$84)
  7. Bay City, MI MSA $1,030 (−$87)
  8. Benzie County, MI HUD Metro FMR Area $1,224 (+$107)
  9. Muskegon-Norton Shores, MI MSA $1,236 (+$119)
  10. Lansing-East Lansing, MI MSA $1,268 (+$151)

High-FMR contrast (scale only)

Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area ($2,255 2-BR); Salinas, CA MSA ($2,684 2-BR); Salt Lake City, UT HUD Metro FMR Area ($1,747 2-BR); San Diego-Chula Vista-Carlsbad, CA MSA ($3,001 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for Saginaw, MI MSA.

Saginaw, MI MSA gap inputs

  • HUD 2-BR FMR (FY2026): $1,117/mo
  • ACS 2019–2023 2-BR median: $923/mo
  • Displayed gap: +21.0%
  • National FMR percentile: 24 (#95/396)

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

Issuing PHAs for Saginaw, MI MSA

MI HCV agencies (scale-keyed)

Full payment standards for Saginaw, MI 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.