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Fort Collins-Loveland, CO: 2-bedroom payment standards across 20 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Fort Collins-Loveland, CO MSA range from $1,530 to $2,290 for a 2-bedroom. The 90th-percentile ZIP code runs 1.28× the 10th — a gap of $442 a month — which ranks 176th widest of the 247 HUD metro areas we compare.

ZIP-level standards are optional here. Fort Collins-Loveland, CO 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.
$1,730

median 2-bedroom SAFMR across the area's 20 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,903 at 110%.

$442

monthly gap between the 90th- and 10th-percentile ZIP code ($1,575 to $2,017).

25.0%

of the area's ZIP codes (5 of 20) sit above $1,903 — 110% of the area median.

Highest-rent ZIP codes in Fort Collins-Loveland, CO

80540$2,29080503$2,08080510$2,01080528$2,01080547$1,97080525$1,90080538$1,81080512$1,73080522$1,73080523$1,73080527$1,73080532$1,73080536$1,73080539$1,73080545$1,73080526$1,66080515$1,58080521$1,58080517$1,53080535$1,530area median $1,730
2 BR Small Area FMR area median across all 20 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.

Showing 20 of 20 ZIP codes
# ZIP code 2 BR SAFMR ▾ Payment standard (90–110%) vs area median
180540$2,290$2,061–$2,519above 110%
280503$2,080$1,872–$2,288above 110%
380510$2,010$1,809–$2,211above 110%
480528$2,010$1,809–$2,211above 110%
580547$1,970$1,773–$2,167above 110%
680525$1,900$1,710–$2,090110%
780538$1,810$1,629–$1,991105%
880512$1,730$1,557–$1,903100%
980522$1,730$1,557–$1,903100%
1080523$1,730$1,557–$1,903100%
1180527$1,730$1,557–$1,903100%
1280532$1,730$1,557–$1,903100%
1380536$1,730$1,557–$1,903100%
1480539$1,730$1,557–$1,903100%
1580545$1,730$1,557–$1,903100%
1680526$1,660$1,494–$1,82696%
1780515$1,580$1,422–$1,73891%
1880521$1,580$1,422–$1,73891%
1980517$1,530$1,377–$1,68388%
2080535$1,530$1,377–$1,68388%
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 Fort Collins-Loveland, CO compares

Its internal spread of 1.28× (p90 ÷ p10) ranks 176 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 1.12×. 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.

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