Gary, IN: 2-bedroom payment standards across 47 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Gary, IN HUD Metro FMR Area range from $970 to $1,680 for a 2-bedroom. The 90th-percentile ZIP code runs 1.38× the 10th — a gap of $404 a month — which ranks 116th widest of the 247 HUD metro areas we compare.

HUD requires ZIP-level payment standards here. Gary, 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.

$1,310

median 2-bedroom SAFMR across the area's 47 ZIP codes. Each ZIP code carries its own standard here; your PHA sets a figure within 90–110% of that ZIP's SAFMR.

$404

monthly gap between the 90th- and 10th-percentile ZIP code ($1,066 to $1,470).

19.1%

of the area's ZIP codes (9 of 47) sit above $1,441 — 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 Gary, IN

2 BR Small Area FMR area median across all 47 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 47 of 47 ZIP codes

#	ZIP code	2 BR SAFMR ▾	Payment standard (90–110%)	vs area median
1	46321	$1,680	$1,512–$1,848	above 110%
2	46410	$1,590	$1,431–$1,749	above 110%
3	46307	$1,510	$1,359–$1,661	above 110%
4	46375	$1,480	$1,332–$1,628	above 110%
5	46322	$1,470	$1,323–$1,617	above 110%
6	46385	$1,470	$1,323–$1,617	above 110%
7	46356	$1,460	$1,314–$1,606	above 110%
8	46377	$1,460	$1,314–$1,606	above 110%
9	46311	$1,450	$1,305–$1,595	above 110%
10	46323	$1,420	$1,278–$1,562	108%
11	46303	$1,410	$1,269–$1,551	108%
12	46304	$1,410	$1,269–$1,551	108%
13	46409	$1,410	$1,269–$1,551	108%
14	46393	$1,390	$1,251–$1,529	106%
15	46384	$1,360	$1,224–$1,496	104%
16	46324	$1,350	$1,215–$1,485	103%
17	46405	$1,350	$1,215–$1,485	103%
18	46319	$1,340	$1,206–$1,474	102%
19	46342	$1,340	$1,206–$1,474	102%
20	46368	$1,330	$1,197–$1,463	102%
21	46302	$1,320	$1,188–$1,452	101%
22	46308	$1,310	$1,179–$1,441	100%
23	46325	$1,310	$1,179–$1,441	100%
24	46355	$1,310	$1,179–$1,441	100%
25	46401	$1,310	$1,179–$1,441	100%
26	46411	$1,310	$1,179–$1,441	100%
27	46327	$1,290	$1,161–$1,419	98%
28	46381	$1,270	$1,143–$1,397	97%
29	46347	$1,240	$1,116–$1,364	95%
30	46376	$1,220	$1,098–$1,342	93%
31	46379	$1,220	$1,098–$1,342	93%
32	46301	$1,210	$1,089–$1,331	92%
33	46408	$1,210	$1,089–$1,331	92%
34	46404	$1,200	$1,080–$1,320	92%
35	46349	$1,180	$1,062–$1,298	90%
36	46406	$1,170	$1,053–$1,287	89%
37	46373	$1,160	$1,044–$1,276	89%
38	46394	$1,160	$1,044–$1,276	89%
39	46403	$1,140	$1,026–$1,254	87%
40	46320	$1,130	$1,017–$1,243	86%
41	46402	$1,120	$1,008–$1,232	85%
42	46407	$1,070	$963–$1,177	82%
43	46372	$1,060	$954–$1,166	81%
44	46312	$1,040	$936–$1,144	79%
45	47964	$1,010	$909–$1,111	77%
46	47951	$980	$882–$1,078	75%
47	47963	$970	$873–$1,067	74%

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 Gary, IN compares

Its internal spread of 1.38× (p90 ÷ p10) ranks 116 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 1.20×. 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 →