FY2026 Fair Market Rents — St. Joseph County
Studio
$898
1BR
$1,105
2BR
$1,292
3BR
$1,567
4BR
$1,711
St. Joseph County, Indiana
FIPS 18141 · County-level FMR and income limit data
FMR Area: South Bend-Mishawaka, IN HUD Metro FMR Area
FY2026 Fair Market Rents
| Bedroom Size | Monthly FMR | Annual Equivalent |
|---|---|---|
| Efficiency (Studio) | $898 | $10,776 |
| 1-Bedroom | $1,105 | $13,260 |
| 2-Bedroom | $1,292 | $15,504 |
| 3-Bedroom | $1,567 | $18,804 |
| 4-Bedroom | $1,711 | $20,532 |
To afford the FY2026 2-bedroom FMR of $1,292/mo under the 30%-of-income rule, a household needs about
$51,680/yr ($4,307/mo). Area Median Income is $88,100.
At IN's federal minimum wage of $7.25/hr, a worker would need to work 138 hours/week to afford that rent.
Recent FMR Trend
| Fiscal Year | Studio | 1BR | 2BR | 3BR | 4BR |
|---|---|---|---|---|---|
| FY2026 | $898 | $1,105 | $1,292 | $1,567 | $1,711 |
| FY2025 | $751 | $936 | $1,095 | $1,350 | $1,452 |
| FY2024 | $689 | $862 | $1,017 | $1,267 | $1,354 |
| FY2023 | $755 | $923 | $1,099 | $1,397 | $1,476 |
| FY2022 | $708 | $823 | $981 | $1,252 | $1,330 |
| FY2021 | $616 | $706 | $851 | $1,100 | $1,154 |
| FY2020 | $598 | $687 | $840 | $1,082 | $1,138 |
FY2026 Income Limits
Area Median Income: $88,100
| Income Level | 1p | 2p | 3p | 4p | 5p | 6p |
|---|---|---|---|---|---|---|
| 30% AMI | $18,550 | $21,640 | $27,320 | $33,000 | $38,680 | $44,360 |
| 50% AMI | $30,850 | $35,250 | $39,650 | $44,050 | $47,600 | $51,100 |
| 80% AMI | $49,350 | $56,400 | $63,450 | $70,500 | $76,150 | $81,800 |