Lower-FMR payment standards - Bay City, MI MSA
HUD FY2026 2-BR Fair Market Rent for Bay City, MI MSA is $1,030/month - 10th percentile of 396 published metro FMR areas (#42 cheapest→expensive) ; voucher vs ACS median: 20.2% above market ; FMR rows touch Bay County .
Low-FMR rung around Bay City, MI MSA
Among the lower published 2-BR amounts nationally. Closest: Enid, OK MSA ($1,027), Flint, MI MSA ($1,033), Boone County, IA HUD Metro FMR Area ($1,026) .
Top-quartile contrast metros: Barnstable Town, MA MSA, Bellingham, WA MSA, Baltimore-Columbia-Towson, MD MSA, Austin-Round Rock-San Marcos, TX MSA, Atlantic City-Hammonton, NJ HUD Metro FMR Area, Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area - use only for national scale, not local negotiation.
MI-state FMR neighbors for Bay City, MI MSA
Closest 2-BR amounts inside MI: Flint, MI MSA ($1,033); Saginaw, MI MSA ($1,117); Kalamazoo-Portage, MI MSA ($1,162); Jackson, MI MSA ($1,165); Battle Creek, MI MSA ($1,176); Niles, MI MSA ($1,184); Midland, MI MSA ($1,193); Benzie County, MI HUD Metro FMR Area ($1,224) . Alphabetical “nearby” lists are intentionally not used here - amount proximity is the comparison that matters for payment standards.
What are the HUD FY2026 bedroom FMRs for Bay City, MI MSA?
| Size | HUD FMR |
|---|---|
| Studio | $809/mo |
| 1-BR | $814/mo |
| 2-BR | $1,030/mo |
| 3-BR | $1,399/mo |
| 4-BR | $1,518/mo |
Section 8 payment standard range for Bay City, MI MSA
HUD lets each Public Housing Authority set its payment standard between 90% and 110% of the published Fair Market Rent for the bedroom size served. These dollar amounts are derived from HUD FY2026 FMR for Bay City, MI MSA; your PHA may choose a figure inside this band. This is not a quote for a specific unit, availability, or waitlist status.
| Size | HUD FMR | 90% floor | 110% ceiling |
|---|---|---|---|
| Studio | $809/mo | $728/mo | $890/mo |
| 1-BR | $814/mo | $733/mo | $895/mo |
| 2-BR | $1,030/mo | $927/mo | $1,133/mo |
| 3-BR | $1,399/mo | $1,259/mo | $1,539/mo |
| 4-BR | $1,518/mo | $1,366/mo | $1,670/mo |
For a 2-bedroom in Bay City, MI MSA, the HUD reference rent is $1,030/month, so the lawful payment-standard band runs $927–$1,133/month before any tenant income share.
HUD FMR filing-year trail · Bay City, MI MSA
Published two-bedroom Fair Market Rent for this HUD area across FY2022-2026. Year-over-year deltas compare adjacent fiscal years only. This is a historical HUD reference-rent series, not a PHA payment standard, unit quote, availability, eligibility, or waitlist result.
- Latest 2-BR
- $1,030
- FY2026
- vs prior FY
- +5.5%
- from FY2025 $976
- Span change
- +31.0%
- FY2022-2026
- Years shown
- 5
- HUD FMR history
| FY | 2-BR FMR | YoY |
|---|---|---|
| 2022 | $786/mo | - |
| 2023 | $876/mo | +11.5% |
| 2024 | $937/mo | +7.0% |
| 2025 | $976/mo | +4.2% |
| 2026 | $1,030/mo | +5.5% |
Source: HUD USER Fair Market Rents historical series for Bay City, MI MSA, FY2022-2026. Adjacent-year deltas only.
ACS median 2-BR rent $857/mo → 20.2% above market (generous). Detail: gap analysis for Bay City, MI MSA.
PHAs naming Bay City, MI MSA
- Bay City Housing Commission · 0 HCV units
Need the full directory? Browse all HUD PHA records in Michigan . The directory does not report current availability or waitlists.
MI agencies near this metro's scale key
Housing authorities in MI whose HCV caseload sits closest to a CBSA-stable scale target (not the statewide giants list - that list was identical across siblings):
Full near-amount ladder
- Enid, OK MSA · $1,027
- Flint, MI MSA · $1,033
- Boone County, IA HUD Metro FMR Area · $1,026
- Johnstown, PA MSA · $1,035
- Ashtabula County, OH HUD Metro FMR Area · $1,037
- Peoria, IL MSA · $1,039
- Jonesboro, AR HUD Metro FMR Area · $1,040
- Callaway County, MO HUD Metro FMR Area · $1,042
- Las Cruces, NM MSA · $1,042
- Muncie, IN MSA · $1,043
- Kingsport-Bristol, TN-VA MSA · $1,044
- Montgomery, AL MSA · $1,016
What to do with this FMR desk
Bay City, MI HUD FY2026 2-BR FMR is $1,030/mo; use the schedule as a source desk, not a lease quote.
- Read the FY2022-2026 filing trail (+31.0% across the span) before comparing peers. FMR history on this page
- Cross-check the 1 PHA record tied to this market against the HUD directory profile. Bay City Housing Commission
- Open the voucher-vs-market gap board for this CBSA (20.2% above market). Metro gap page
- Confirm how PHAs may set payment standards at 90-110% of FMR, and why the two figures are not interchangeable. FMR vs payment standard
FMR is HUD's published Fair Market Rent for this FMR area. It is not a PHA payment standard, unit quote, eligibility result, or waitlist status. Confirm any leasing figure with the PHA that serves the unit.
Source: HUD USER Fair Market Rent (FY2026) ; Census ACS median gross rent. Confirm the live PHA figure before leasing. Methodology.
Verify with HUD → · Verify with U.S. Census Bureau → · Set a September HUD update reminder