Fair Market Rents: St. Joseph County, IN (FY2026)
HUD's FY2026 Fair Market Rents for St. Joseph County set the ceiling for what Housing Choice Vouchers pay locally. FMR equals the estimated 40th-percentile gross rent — shelter plus utilities — for modest, non-luxury units.
| Unit size | FY2026 FMR | IN median* |
|---|---|---|
| Studio (0-BR) | $898/mo | $768 (+17%) |
| 1 Bedroom | $1,105/mo | $824 (+34%) |
| 2 Bedrooms | $1,292/mo | $1,009 (+28%) |
| 3 Bedrooms | $1,567/mo | $1,330 (+18%) |
| 4+ Bedrooms | $1,711/mo | $1,535 (+11%) |
*Median across all FMR-publishing counties in IN. Source: HUD FY2026 FMR schedule.
Using FMR as a voucher holder in St. Joseph County
- Your housing authority sets payment standards per bedroom, typically 90–110% of these figures. How payment standards work →
- You may rent above the standard by paying the difference, subject to a 40%-of-income cap at lease-up.
- In high-cost pockets, ask about exception standards or Small Area FMRs by ZIP code.
Subsidized housing in St. Joseph County
We track 57 assisted properties countywide:
| City | Properties | Assisted units |
|---|---|---|
| Mishawaka | 19 | 1,599 |
| South Bend | 53 | 3,789 |