Above-median FMR - South Bend-Mishawaka, IN HUD Metro FMR Area
HUD FY2026 2-BR Fair Market Rent for South Bend-Mishawaka, IN HUD Metro FMR Area is $1,292/month - 50th percentile of 396 published metro FMR areas (#198 cheapest→expensive) ; voucher vs ACS median: 23.1% above market ; FMR rows touch St. Joseph County .
Geography note: HUD divides this CBSA into 2 separate Fair Market Rent areas, each with its own rent schedule. The amounts above are for South Bend-Mishawaka, IN HUD Metro FMR Area only, not the whole metro.
Upper-half placement for South Bend-Mishawaka, IN HUD Metro FMR Area
Above the national median but shy of the top quartile. Closest amounts: Brunswick-St. Simons, GA MSA; Jackson, MS HUD Metro FMR Area; Camden County, NC HUD Metro FMR Area; Pittsburgh, PA HUD Metro FMR Area .
Low-FMR contrast set: Rock County, MN HUD Metro FMR Area, Springfield, MO HUD Metro FMR Area, Shreveport-Bossier City, LA MSA, Springfield, OH MSA, Sheboygan, WI MSA, Terre Haute, IN HUD Metro FMR Area .
IN-state FMR neighbors for South Bend-Mishawaka, IN HUD Metro FMR Area
Closest 2-BR amounts inside IN: Lafayette-West Lafayette, IN HUD Metro FMR Area ($1,242); Bloomington, IN HUD Metro FMR Area ($1,210); Elkhart-Goshen, IN MSA ($1,183); Columbus, IN MSA ($1,415); Michigan City-La Porte, IN MSA ($1,152); Kokomo, IN MSA ($1,123); Evansville, IN MSA ($1,113); Fort Wayne, IN HUD Metro FMR Area ($1,113) . 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 South Bend-Mishawaka, IN HUD Metro FMR Area?
| Size | HUD FMR |
|---|---|
| Studio | $898/mo |
| 1-BR | $1,105/mo |
| 2-BR | $1,292/mo |
| 3-BR | $1,567/mo |
| 4-BR | $1,711/mo |
Section 8 payment standard range for South Bend-Mishawaka, IN HUD Metro FMR Area
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 South Bend-Mishawaka, IN HUD Metro FMR Area; 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 | $898/mo | $808/mo | $988/mo |
| 1-BR | $1,105/mo | $995/mo | $1,216/mo |
| 2-BR | $1,292/mo | $1,163/mo | $1,421/mo |
| 3-BR | $1,567/mo | $1,410/mo | $1,724/mo |
| 4-BR | $1,711/mo | $1,540/mo | $1,882/mo |
For a 2-bedroom in South Bend-Mishawaka, IN HUD Metro FMR Area, the HUD reference rent is $1,292/month, so the lawful payment-standard band runs $1,163–$1,421/month before any tenant income share.
HUD FMR filing-year trail · South Bend-Mishawaka, IN HUD Metro FMR Area
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
- $1,292
- FY2026
- vs prior FY
- +18.0%
- from FY2025 $1,095
- Span change
- +31.7%
- FY2022-2026
- Years shown
- 5
- HUD FMR history
| FY | 2-BR FMR | YoY |
|---|---|---|
| 2022 | $981/mo | - |
| 2023 | $1,099/mo | +12.0% |
| 2024 | $1,017/mo | -7.5% |
| 2025 | $1,095/mo | +7.7% |
| 2026 | $1,292/mo | +18.0% |
Source: HUD USER Fair Market Rents historical series for South Bend-Mishawaka, IN HUD Metro FMR Area, FY2022-2026. Adjacent-year deltas only.
ACS median 2-BR rent $1,050/mo → 23.1% above market (generous). Detail: gap analysis for South Bend-Mishawaka, IN HUD Metro FMR Area.
IN agencies near this metro's scale key
Housing authorities in IN whose HCV caseload sits closest to a CBSA-stable scale target (not the statewide giants list - that list was identical across siblings):
- 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
- Housing Authority of the City of Muncie
- Housing Authority of the City of Michigan City
Full near-amount ladder
- Brunswick-St. Simons, GA MSA · $1,293
- Jackson, MS HUD Metro FMR Area · $1,288
- Camden County, NC HUD Metro FMR Area · $1,287
- Pittsburgh, PA HUD Metro FMR Area · $1,299
- Great Falls, MT MSA · $1,284
- Elmira, NY MSA · $1,283
- Bloomington, IL MSA · $1,302
- Cleveland-Elyria, OH MSA · $1,279
- Idaho Falls, ID HUD Metro FMR Area · $1,305
- Macon-Bibb County, GA HUD Metro FMR Area · $1,307
- Abilene, TX MSA · $1,276
- Columbia, SC HUD Metro FMR Area · $1,276
What to do with this FMR desk
South Bend-Mishawaka, IN HUD FY2026 2-BR FMR is $1,292/mo; use the schedule as a source desk, not a lease quote.
- Read the FY2022-2026 filing trail (+31.7% across the span) before comparing peers. FMR history on this page
- Open the voucher-vs-market gap board for this CBSA (23.1% 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