HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in LaPorte County, Indiana (FY 2026)
A two-bedroom in LaPorte County carries a FY 2026 Fair Market Rent of $1,152 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in LaPorte keys off that figure.
2 bedroom FMR
$1,152
FY 2026, utilities included
Payment standard range
$1,037 to $1,267
90% to 110% of FMR
Income to afford 2BR
$46,080
per year, at 30% of income
Rank in Indiana
26th of 92
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in LaPorte moves to $1,245. That's up 8%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in LaPorte actually rent for?
Search any address in LaPorte for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $874 | $787 to $961 | $34,960 | $16.81/hr | +22.9% |
| 1 bedroom | $953 | $858 to $1,048 | $38,120 | $18.33/hr | +11.2% |
| 2 bedroom | $1,152 | $1,037 to $1,267 | $46,080 | $22.15/hr | +11.2% |
| 3 bedroom | $1,454 | $1,309 to $1,599 | $58,160 | $27.96/hr | +10.9% |
| 4 bedroom | $1,680 | $1,512 to $1,848 | $67,200 | $32.31/hr | +10.9% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $1,932 | $1,739 to $2,125 |
| 6 bedroom Estimate | $2,184 | $1,966 to $2,402 |
| 7 bedroom Estimate | $2,436 | $2,192 to $2,680 |
| 8 bedroom Estimate | $2,688 | $2,419 to $2,957 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In LaPorte, that runs from $874 for a studio up to $1,680 for four bedrooms, all five rates in the table above.
LaPorte is its own HUD metro area (Michigan City-La Porte, IN), so the rate here is set from rents inside the county rather than a wider region.
Among Indiana's 92 counties, LaPorte ranks 26th for two-bedroom FMR. That's about 14% above the state median of $1,009 and about 13% above the national median county at $1,018. About 112,215 people live here, 15th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,030 in 46340 (Hanna) and $1,490 in 46390 (Wanatah), with the 11 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 46340 | Hanna | $1,030 | -10.6% |
| 46345 | Kingsbury | $1,250 | +8.5% |
| 46346 | Kingsford Heights | $1,100 | -4.5% |
| 46348 | La Crosse | $1,290 | +12.0% |
| 46350 | La Porte | $1,140 | -1.0% |
| 46352 | La Porte | $1,152County rate | — |
| 46360 | Michigan City | $1,090 | -5.4% |
| 46361 | Michigan City | $1,152County rate | — |
| 46365 | Mill Creek | $1,170 | +1.6% |
| 46371 | Rolling Prairie | $1,440 | +25.0% |
| 46382 | Union Mills | $1,190 | +3.3% |
| 46390 | Wanatah | $1,490 | +29.3% |
| 46391 | Westville | $1,420 | +23.3% |
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in LaPorte somewhere between $1,037 and $1,267. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,152 a month is affordable, by HUD's 30% rule, on an income of roughly $46,080 a year. Put another way, $22 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($1,037) | HAP at 100% ($1,152) | HAP at 110% ($1,267) |
|---|---|---|---|---|
| $2,500 | $750 | $287 | $402 | $517 |
| $4,000 | $1,200 | $0 | $0 | $67 |
Rate history
The two-bedroom rate went up 11% from FY 2025 ($1,036) to FY 2026 ($1,152). Since FY 2020 it's up 47% in total, about 6.6% a year. The Indiana median moved up 2% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $511 | $607 | $784 | $1,018 | $1,062 | — |
| FY 2021 | $505 | $602 | $766 | $1,015 | $1,055 | -2.3% |
| FY 2022 | $535 | $629 | $794 | $1,047 | $1,139 | +3.7% |
| FY 2023 | $626 | $754 | $936 | $1,214 | $1,346 | +17.9% |
| FY 2024 | $689 | $823 | $1,016 | $1,299 | $1,461 | +8.5% |
| FY 2025 | $711 | $857 | $1,036 | $1,311 | $1,515 | +2.0% |
| FY 2026 | $874 | $953 | $1,152 | $1,454 | $1,680 | +11.2% |
| FY 2027 | $963 | $1,031 | $1,245 | $1,525 | $1,762 | +8.1% |
Nearby counties
Questions people ask
$1,152 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $874 for a studio, $953 for one bedroom, $1,454 for three and $1,680 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in LaPorte actually go for?
HUD's number is one input. Search any address in LaPorte for a rent estimate built from nearby comps. 3 free searches, no card.
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