Upper-half FMR gap - South Bend-Mishawaka, IN HUD Metro FMR Area
Displayed gap in South Bend-Mishawaka, IN HUD Metro FMR Area: +23.1% (HUD $1,292 vs ACS $1,050) · counties in FMR rows: St. Joseph County .
FMR gap dispatch plate
CBSA 43780 · South Bend-Mishawaka, IN -23.1% shortfall
GAP-GENEROUS · FMR-ABOVE · SPREAD-PLUS · PHOTO-FINISH · COUNTY-SPARSE · BOOK-FULL
- GAP-GENEROUS 23.1% surplus
- FMR-ABOVE #198/396 · P50
- SPREAD-PLUS +$242
- PHOTO-FINISH Utica-Rome
- COUNTY-SPARSE 1 county
- BOOK-FULL HUD+ACS pair
Nearest shortfall peer: Utica-Rome, NY Metro Area (+0.1pp)
HUD's reference overshoots the ACS median by $242/mo. Lease-up odds are usually better than in shortfall markets, though still compare Utica-Rome, NY 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 South Bend-Mishawaka, IN
Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.
- Utica-Rome -22.98
Utica-Rome: -23.0% shortfall
-22.98 % shortfall
- South Bend-Mis · this metro -23.05
South Bend-Mis · this metro: -23.1% shortfall
-23.05 % shortfall
- Farmington -23.16
Farmington: -23.2% shortfall
-23.16 % shortfall
- Glens Falls -23.22
Glens Falls: -23.2% shortfall
-23.22 % shortfall
- Akron -23.23
Akron: -23.2% shortfall
-23.23 % shortfall
How does South Bend-Mishawaka, IN compare with nearby FMR areas?
These are the twelve metros closest to South Bend-Mishawaka, IN on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.
- Utica-Rome, NY Metro Area
-23.0% shortfall · HUD $1,172 vs ACS $953 · $+$219/mo
HUD FMR-area counties: Herkimer County, Oneida County.
- Farmington, NM Metro Area
-23.2% shortfall · HUD $1,085 vs ACS $881 · $+$204/mo
HUD FMR-area counties: San Juan County.
- Glens Falls, NY Metro Area
-23.2% shortfall · HUD $1,348 vs ACS $1,094 · $+$254/mo
HUD FMR-area counties: Warren County, Washington County.
- Akron, OH Metro Area
-23.2% shortfall · HUD $1,268 vs ACS $1,029 · $+$239/mo
HUD FMR-area counties: Portage County, Summit County.
- Pittsburgh, PA Metro Area
-23.2% shortfall · HUD $1,299 vs ACS $1,054 · $+$245/mo
HUD FMR-area counties: Allegheny County, Beaver County, Butler County, Fayette County, Washington County, Westmoreland County.
- Anniston-Oxford, AL Metro Area
-22.9% shortfall · HUD $962 vs ACS $783 · $+$179/mo
HUD FMR-area counties: Calhoun County.
- Las Cruces, NM Metro Area
-23.3% shortfall · HUD $1,042 vs ACS $845 · $+$197/mo
HUD FMR-area counties: Dona Ana County.
- Elizabethtown, KY Metro Area
-22.8% shortfall · HUD $1,056 vs ACS $860 · $+$196/mo
HUD FMR-area counties: Hardin County, Larue County.
- North Port-Bradenton-Sarasota, FL Metro Area
-22.8% shortfall · HUD $1,958 vs ACS $1,595 · $+$363/mo
HUD FMR-area counties: Manatee County, Sarasota County.
- Jackson, MS Metro Area
-23.4% shortfall · HUD $1,288 vs ACS $1,044 · $+$244/mo
HUD FMR-area counties: Copiah County, Hinds County, Madison County, Rankin County.
- Raleigh-Cary, NC Metro Area
-22.7% shortfall · HUD $1,750 vs ACS $1,426 · $+$324/mo
HUD FMR-area counties: Franklin County, Johnston County, Wake County.
- Davenport-Moline-Rock Island, IA-IL Metro Area
-22.6% shortfall · HUD $1,143 vs ACS $932 · $+$211/mo
HUD FMR-area counties: Henry County, Mercer County, Rock Island County, Scott 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.
- Lafayette-West Lafayette, IN HUD Metro FMR Area $1,242 (−$50)
- Bloomington, IN HUD Metro FMR Area $1,210 (−$82)
- Elkhart-Goshen, IN MSA $1,183 (−$109)
- Columbus, IN MSA $1,415 (+$123)
- Michigan City-La Porte, IN MSA $1,152 (−$140)
- Kokomo, IN MSA $1,123 (−$169)
- Evansville, IN MSA $1,113 (−$179)
- Fort Wayne, IN HUD Metro FMR Area $1,113 (−$179)
- Indianapolis-Carmel, IN HUD Metro FMR Area $1,473 (+$181)
- Terre Haute, IN HUD Metro FMR Area $1,094 (−$198)
Low-FMR contrast (scale only)
Rock County, MN HUD Metro FMR Area ($973 2-BR); Springfield, MO HUD Metro FMR Area ($1,095 2-BR); Shreveport-Bossier City, LA MSA ($1,111 2-BR); Springfield, OH MSA ($1,106 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for South Bend-Mishawaka, IN HUD Metro FMR Area.
South Bend-Mishawaka, IN HUD Metro FMR Area gap inputs
- HUD 2-BR FMR (FY2026): $1,292/mo
- ACS 2019–2023 2-BR median: $1,050/mo
- Displayed gap: +23.1%
- National FMR percentile: 50 (#198/396)
displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100
IN HCV agencies (scale-keyed)
- Crawfordsville Housing Authority
- Housing Authority of the City of Elkhart
- Columbus Housing Authority
- Housing Authority of the City of Warsaw
- Housing Authority of the City of Marion, IN
- Housing Authority of the City of New Albany
- Housing Authority of the City of Jeffersonville
- Housing Authority of the City of Hammond
Full payment standards for South Bend-Mishawaka, IN HUD Metro FMR Area · 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.