Fort Wayne, IN: 2-bedroom payment standards across 44 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Fort Wayne, IN HUD Metro FMR Area range from $960 to $1,650 for a 2-bedroom. The 90th-percentile ZIP code runs 1.38× the 10th — a gap of $385 a month — which ranks 110th widest of the 247 HUD metro areas we compare.

HUD requires ZIP-level payment standards here. Fort Wayne, IN is one of the 65 designated Small Area FMR areas, so housing authorities in this area set payment standards from each ZIP code's own SAFMR rather than one area-wide figure. The spread below is policy, not a gap — though your PHA still chooses a figure within 90–110% of each ZIP's SAFMR, and may group ZIP codes together.

$1,120

median 2-bedroom SAFMR across the area's 44 ZIP codes. Each ZIP code carries its own standard here; your PHA sets a figure within 90–110% of that ZIP's SAFMR.

$385

monthly gap between the 90th- and 10th-percentile ZIP code ($1,010 to $1,395).

18.2%

of the area's ZIP codes (8 of 44) sit above $1,232 — 110% of the area median. Because ZIP-level standards are required here, that is a measure of the area's rent spread, not of ZIP codes left behind by a ceiling.

Highest-rent ZIP codes in Fort Wayne, IN

2 BR Small Area FMR area median across all 44 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, which here simply marks the top of the area's rent range — ZIP-level standards are required in this area, so no ZIP is capped by an area-wide figure.

Filter by ZIP code

Showing 44 of 44 ZIP codes

#	ZIP code	2 BR SAFMR ▾	Payment standard (90–110%)	vs area median
1	46814	$1,650	$1,485–$1,815	above 110%
2	46845	$1,580	$1,422–$1,738	above 110%
3	46741	$1,470	$1,323–$1,617	above 110%
4	46704	$1,410	$1,269–$1,551	above 110%
5	46818	$1,410	$1,269–$1,551	above 110%
6	46765	$1,360	$1,224–$1,496	above 110%
7	46804	$1,260	$1,134–$1,386	above 110%
8	46825	$1,260	$1,134–$1,386	above 110%
9	46835	$1,230	$1,107–$1,353	110%
10	46797	$1,130	$1,017–$1,243	101%
11	46850	$1,120	$1,008–$1,232	100%
12	46851	$1,120	$1,008–$1,232	100%
13	46852	$1,120	$1,008–$1,232	100%
14	46853	$1,120	$1,008–$1,232	100%
15	46854	$1,120	$1,008–$1,232	100%
16	46855	$1,120	$1,008–$1,232	100%
17	46856	$1,120	$1,008–$1,232	100%
18	46857	$1,120	$1,008–$1,232	100%
19	46858	$1,120	$1,008–$1,232	100%
20	46859	$1,120	$1,008–$1,232	100%
21	46860	$1,120	$1,008–$1,232	100%
22	46861	$1,120	$1,008–$1,232	100%
23	46862	$1,120	$1,008–$1,232	100%
24	46863	$1,120	$1,008–$1,232	100%
25	46864	$1,120	$1,008–$1,232	100%
26	46865	$1,120	$1,008–$1,232	100%
27	46866	$1,120	$1,008–$1,232	100%
28	46867	$1,120	$1,008–$1,232	100%
29	46868	$1,120	$1,008–$1,232	100%
30	46869	$1,120	$1,008–$1,232	100%
31	46885	$1,120	$1,008–$1,232	100%
32	46895	$1,120	$1,008–$1,232	100%
33	46898	$1,120	$1,008–$1,232	100%
34	46899	$1,120	$1,008–$1,232	100%
35	46774	$1,110	$999–$1,221	99%
36	46807	$1,100	$990–$1,210	98%
37	46815	$1,090	$981–$1,199	97%
38	46808	$1,040	$936–$1,144	93%
39	46802	$1,010	$909–$1,111	90%
40	46803	$1,010	$909–$1,111	90%
41	46805	$980	$882–$1,078	88%
42	46806	$970	$873–$1,067	87%
43	46816	$970	$873–$1,067	87%
44	46809	$960	$864–$1,056	86%

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 Wayne, IN compares

Its internal spread of 1.38× (p90 ÷ p10) ranks 110 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 1.00×. 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 →