Michigan · FIPS 26029 · HUD FY 2027
Charlevoix County, Michigan Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Charlevoix County is $1,119 a month (rent plus utilities), 18% below the Michigan average of $1,361 and 36% below the U.S. average of $1,761. That is up $80 (7.7%) from FY 2026. At 30% of income, a household needs about $44,760 a year to afford it.
- $1,1192-bedroom FMR+$80 (+7.7%) vs FY 2026
- $8551-bedroom FMRMichigan: $1,101 · U.S.: $1,478
- $44,760Income for a 2-bedroom$22/hour full-time
- 36 of 832BR rank in Michigan1 = highest rent
| Unit | Charlevoix County FY 2027 | FY 2026 | Change | Michigan avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $798 | $736 | +$62 (+8.4%) | $1,003 | $1,379 | $31,920 |
| 1 bedroom | $855 | $800 | +$55 (+6.9%) | $1,101 | $1,478 | $34,200 |
| 2 bedrooms | $1,119 | $1,039 | +$80 (+7.7%) | $1,361 | $1,761 | $44,760 |
| 3 bedrooms | $1,549 | $1,445 | +$104 (+7.2%) | $1,697 | $2,266 | $61,960 |
| 4 bedrooms | $1,619 | $1,622 | −$3 (−0.2%) | $1,873 | $2,607 | $64,760 |
How Charlevoix County compares
- Charlevoix County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across Michigan, 2-bedroom FMRs run from $1,014 (Tuscola County) to $1,804 (Washtenaw County).
- Studio to 4-bedroom: $798, $855, $1,119, $1,549, $1,619. HUD derives the other sizes from the 2-bedroom figure with fixed ratios, adjusted where local data warrant.
- HUD also publishes ZIP-level Small Area FMRs. For the 5 ZIP codes mostly in Charlevoix County (by land area), the 2-bedroom figure ranges from $1,070 to $1,190.
Small Area FMRs by ZIP code in Charlevoix County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 49712 | $810 | $870 | $1,140 | $1,580 | $1,650 | +$30 (+2.7%) | 2% above |
| 49713 | $760 | $820 | $1,070 | $1,460 | $1,530 | +$30 (+2.9%) | 4% below |
| 49720 | $850 | $910 | $1,190 | $1,640 | $1,720 | +$130 (+12.3%) | 6% above |
| 49782 | $760 | $820 | $1,070 | $1,480 | $1,550 | +$50 (+4.9%) | 4% below |
| 49796 | $840 | $890 | $1,170 | $1,540 | $1,640 | +$60 (+5.4%) | 5% above |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
- ZIP-to-county assignment: Census Bureau 2020 ZCTA-to-county relationship file (file dated December 9, 2021), largest land-area overlap.
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.