Fargo, ND-MN: 2-bedroom payment standards across 32 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Fargo, ND-MN MSA range from $970 to $1,440 for a 2-bedroom. The 90th-percentile ZIP code runs 1.28× the 10th — a gap of $268 a month — which ranks 179th widest of the 247 HUD metro areas we compare.

ZIP-level standards are optional here. Fargo, ND-MN 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 5 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.

$1,100

median 2-bedroom SAFMR across the area's 32 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,210 at 110%.

$268

monthly gap between the 90th- and 10th-percentile ZIP code ($971 to $1,239).

15.6%

of the area's ZIP codes (5 of 32) sit above $1,210 — 110% of the area median.

Highest-rent ZIP codes in Fargo, ND-MN

2 BR Small Area FMR area median across all 32 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 32 of 32 ZIP codes

#	ZIP code	2 BR SAFMR ▾	Payment standard (90–110%)	vs area median
1	58059	$1,440	$1,296–$1,584	above 110%
2	58104	$1,300	$1,170–$1,430	above 110%
3	56546	$1,290	$1,161–$1,419	above 110%
4	58078	$1,240	$1,116–$1,364	above 110%
5	58042	$1,230	$1,107–$1,353	above 110%
6	56561	$1,180	$1,062–$1,298	107%
7	58021	$1,180	$1,062–$1,298	107%
8	56525	$1,170	$1,053–$1,287	106%
9	56562	$1,170	$1,053–$1,287	106%
10	56563	$1,170	$1,053–$1,287	106%
11	56529	$1,150	$1,035–$1,265	105%
12	58002	$1,100	$990–$1,210	100%
13	58004	$1,100	$990–$1,210	100%
14	58005	$1,100	$990–$1,210	100%
15	58007	$1,100	$990–$1,210	100%
16	58011	$1,100	$990–$1,210	100%
17	58036	$1,100	$990–$1,210	100%
18	58079	$1,100	$990–$1,210	100%
19	58106	$1,100	$990–$1,210	100%
20	58107	$1,100	$990–$1,210	100%
21	58108	$1,100	$990–$1,210	100%
22	58109	$1,100	$990–$1,210	100%
23	58103	$1,040	$936–$1,144	95%
24	56547	$1,030	$927–$1,133	94%
25	58102	$1,030	$927–$1,133	94%
26	58105	$1,030	$927–$1,133	94%
27	56549	$980	$882–$1,078	89%
28	58029	$980	$882–$1,078	89%
29	56536	$970	$873–$1,067	88%
30	56580	$970	$873–$1,067	88%
31	58006	$970	$873–$1,067	88%
32	58012	$970	$873–$1,067	88%

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 Fargo, ND-MN compares

Its internal spread of 1.28× (p90 ÷ p10) ranks 179 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 1.14×. 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 →