2026–27 Section 8 Rent Limits for 46545

Mishawaka, IN • St. Joseph County • Source: SAFMR

IN / Mishawaka

How much will Section 8 pay for rent in 46545?

HUD's FY2027 Small Area Fair Market Rents for 46545 (Mishawaka, IN), effective October 1, 2026, are $990 for a studio, $1,160 for 1 bedroom, $1,350 for 2 bedrooms, $1,630 for 3 bedrooms and $1,770 for 4 bedrooms a month. These are gross rents: rent plus any utilities the tenant pays.

Your housing authority turns these into its payment standard — the most the voucher counts toward rent — normally between 90% and 110% of HUD's figure, so about $1,215–$1,485 for a 2-bedroom here. Moving to Work agencies can set theirs outside that range. You usually pay about 30% of your adjusted income plus any amount the gross rent is above the payment standard, and at move-in your share can't exceed 40% of adjusted monthly income. Confirm the amount with your housing authority.

HUD Small Area FMRs by bedroom (FY2027)

Monthly gross rent figures published by HUD for 46545, effective October 1, 2026. They are the benchmark for payment standards, not a cap on the rent a landlord can charge.

Unit Size HUD figure (monthly)
Studio $990
1 Bedroom $1,160
2 Bedroom $1,350
3 Bedroom $1,630
4 Bedroom $1,770
Effective date: 2026-10-01. Always confirm with your local PHA.

Voucher amounts nationwide by unit size: Studio · 1 Bedroom · 2 Bedroom · 3 Bedroom · 4 Bedroom

Do you qualify? See the St. Joseph County income limits for Section 8.

Related ZIP Codes in Mishawaka

Browse other ZIP codes in the same city (hub-and-spoke linking).

4654446546