Duluth, MN-WI: 2-bedroom payment standards across 54 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Duluth, MN-WI MSA range from $1,030 to $1,850 for a 2-bedroom. The 90th-percentile ZIP code runs 1.52× the 10th — a gap of $540 a month — which ranks 47th widest of the 247 HUD metro areas we compare.

ZIP-level standards are optional here. Duluth, MN-WI is not one of HUD's 65 designated Small Area FMR areas, so a housing authority may set one payment standard for the whole area, or adopt ZIP-level exception standards of up to 110% of a ZIP's published SAFMR. Where a single area-wide standard is used, the 13 ZIP codes below marked "above 110%" sit above the highest ceiling that basic policy reaches. Confirm what applies with the PHA that issued the voucher.

$1,155

median 2-bedroom SAFMR across the area's 54 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,271 at 110%.

$540

monthly gap between the 90th- and 10th-percentile ZIP code ($1,030 to $1,570).

24.1%

of the area's ZIP codes (13 of 54) sit above $1,271 — 110% of the area median.

Highest-rent ZIP codes in Duluth, MN-WI

2 BR Small Area FMR area median across all 54 ZIPs

Every ZIP code, ranked

The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.

Filter by ZIP code

Showing 54 of 54 ZIP codes

#	ZIP code	2 BR SAFMR ▾	Payment standard (90–110%)	vs area median
1	55779	$1,850	$1,665–$2,035	above 110%
2	55733	$1,740	$1,566–$1,914	above 110%
3	55717	$1,710	$1,539–$1,881	above 110%
4	55803	$1,710	$1,539–$1,881	above 110%
5	55804	$1,650	$1,485–$1,815	above 110%
6	55811	$1,570	$1,413–$1,727	above 110%
7	55814	$1,570	$1,413–$1,727	above 110%
8	55812	$1,490	$1,341–$1,639	above 110%
9	55797	$1,380	$1,242–$1,518	above 110%
10	55810	$1,360	$1,224–$1,496	above 110%
11	54864	$1,340	$1,206–$1,474	above 110%
12	55802	$1,330	$1,197–$1,463	above 110%
13	55805	$1,290	$1,161–$1,419	above 110%
14	55720	$1,260	$1,134–$1,386	109%
15	55724	$1,250	$1,125–$1,375	108%
16	55750	$1,250	$1,125–$1,375	108%
17	55816	$1,250	$1,125–$1,375	108%
18	55713	$1,240	$1,116–$1,364	107%
19	55702	$1,230	$1,107–$1,353	106%
20	55808	$1,230	$1,107–$1,353	106%
21	54874	$1,220	$1,098–$1,342	106%
22	55780	$1,220	$1,098–$1,342	106%
23	55707	$1,210	$1,089–$1,331	105%
24	55807	$1,190	$1,071–$1,309	103%
25	55711	$1,170	$1,053–$1,287	101%
26	55758	$1,160	$1,044–$1,276	100%
27	55806	$1,160	$1,044–$1,276	100%
28	54880	$1,150	$1,035–$1,265	100%
29	54890	$1,150	$1,035–$1,265	100%
30	55757	$1,150	$1,035–$1,265	100%
31	55726	$1,140	$1,026–$1,254	99%
32	55768	$1,130	$1,017–$1,243	98%
33	54842	$1,120	$1,008–$1,232	97%
34	54836	$1,110	$999–$1,221	96%
35	55734	$1,100	$990–$1,210	95%
36	55751	$1,090	$981–$1,199	94%
37	55718	$1,080	$972–$1,188	94%
38	55792	$1,080	$972–$1,188	94%
39	55710	$1,050	$945–$1,155	91%
40	55725	$1,040	$936–$1,144	90%
41	54849	$1,030	$927–$1,133	89%
42	54854	$1,030	$927–$1,133	89%
43	55703	$1,030	$927–$1,133	89%
44	55705	$1,030	$927–$1,133	89%
45	55706	$1,030	$927–$1,133	89%
46	55708	$1,030	$927–$1,133	89%
47	55719	$1,030	$927–$1,133	89%
48	55732	$1,030	$927–$1,133	89%
49	55738	$1,030	$927–$1,133	89%
50	55741	$1,030	$927–$1,133	89%
51	55763	$1,030	$927–$1,133	89%
52	55765	$1,030	$927–$1,133	89%
53	55782	$1,030	$927–$1,133	89%
54	55790	$1,030	$927–$1,133	89%

Heads up: The figure above is the HUD Fair Market Rent. Your local Public Housing Authority (PHA) sets the actual payment standard — usually between 90% and 110% of it — so confirm your exact amount with the PHA that issued the voucher.

How Duluth, MN-WI compares

Its internal spread of 1.52× (p90 ÷ p10) ranks 47 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.22×. Note that this area's 90th or 10th percentile lands exactly on its highest or lowest ZIP code, so a single ZIP is carrying the p90/p10 figure — the p75/p25 measure is the better read here. See the full ranking and how it was measured →

A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.

This page shows official HUD Fair Market Rent data for general educational use — it is not legal, financial, or housing advice, and is not a guarantee of any voucher amount. Your local Public Housing Authority sets the actual payment standard and approves rents. Always confirm with your PHA and the official HUD FMR data.

Check a rent against a ZIP code → All 247 metro areas →