South Bend-Mishawaka, IN: 2-bedroom payment standards across 25 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for South Bend-Mishawaka, IN HUD Metro FMR Area range from $1,000 to $1,860 for a 2-bedroom. The 90th-percentile ZIP code runs 1.40× the 10th — a gap of $428 a month — which ranks 99th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 25 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,419 at 110%.
monthly gap between the 90th- and 10th-percentile ZIP code ($1,060 to $1,488).
of the area's ZIP codes (4 of 25) sit above $1,419 — 110% of the area median.
Highest-rent ZIP codes in South Bend-Mishawaka, IN
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.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 46530 | $1,860 | $1,674–$2,046 | above 110% |
| 2 | 46617 | $1,780 | $1,602–$1,958 | above 110% |
| 3 | 46556 | $1,520 | $1,368–$1,672 | above 110% |
| 4 | 46637 | $1,440 | $1,296–$1,584 | above 110% |
| 5 | 46561 | $1,390 | $1,251–$1,529 | 108% |
| 6 | 46545 | $1,330 | $1,197–$1,463 | 103% |
| 7 | 46628 | $1,310 | $1,179–$1,441 | 102% |
| 8 | 46616 | $1,300 | $1,170–$1,430 | 101% |
| 9 | 46546 | $1,290 | $1,161–$1,419 | 100% |
| 10 | 46624 | $1,290 | $1,161–$1,419 | 100% |
| 11 | 46634 | $1,290 | $1,161–$1,419 | 100% |
| 12 | 46660 | $1,290 | $1,161–$1,419 | 100% |
| 13 | 46680 | $1,290 | $1,161–$1,419 | 100% |
| 14 | 46613 | $1,280 | $1,152–$1,408 | 99% |
| 15 | 46544 | $1,270 | $1,143–$1,397 | 98% |
| 16 | 46573 | $1,240 | $1,116–$1,364 | 96% |
| 17 | 46635 | $1,200 | $1,080–$1,320 | 93% |
| 18 | 46615 | $1,190 | $1,071–$1,309 | 92% |
| 19 | 46619 | $1,190 | $1,071–$1,309 | 92% |
| 20 | 46552 | $1,160 | $1,044–$1,276 | 90% |
| 21 | 46614 | $1,110 | $999–$1,221 | 86% |
| 22 | 46517 | $1,060 | $954–$1,166 | 82% |
| 23 | 46554 | $1,060 | $954–$1,166 | 82% |
| 24 | 46601 | $1,060 | $954–$1,166 | 82% |
| 25 | 46595 | $1,000 | $900–$1,100 | 78% |
How South Bend-Mishawaka, IN compares
Its internal spread of 1.40× (p90 ÷ p10) ranks 99 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 1.10×. 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.