HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Ogemaw County, Michigan (FY 2026)
$989 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Ogemaw County, and it's the baseline every voucher in Ogemaw is measured against.
2 bedroom FMR
$989
FY 2026, utilities included
Payment standard range
$890 to $1,088
90% to 110% of FMR
Income to afford 2BR
$39,560
per year, at 30% of income
Rank in Michigan
53rd of 83
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Ogemaw moves to $1,033. That's up 4%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Ogemaw actually rent for?
Search any address in Ogemaw 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 | $682 | $614 to $750 | $27,280 | $13.12/hr | +6.6% |
| 1 bedroom | $843 | $759 to $927 | $33,720 | $16.21/hr | 0.0% |
| 2 bedroom | $989 | $890 to $1,088 | $39,560 | $19.02/hr | +6.0% |
| 3 bedroom | $1,186 | $1,067 to $1,305 | $47,440 | $22.81/hr | +5.5% |
| 4 bedroom | $1,309 | $1,178 to $1,440 | $52,360 | $25.17/hr | +5.8% |
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 | $1,505 | $1,355 to $1,656 |
| 6 bedroom Estimate | $1,702 | $1,532 to $1,872 |
| 7 bedroom Estimate | $1,898 | $1,708 to $2,088 |
| 8 bedroom Estimate | $2,094 | $1,885 to $2,303 |
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 Ogemaw, that runs from $682 for a studio up to $1,309 for four bedrooms, all five rates in the table above.
Because Ogemaw sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Alger included.
Among Michigan's 83 counties, Ogemaw ranks 53rd for two-bedroom FMR. That's about 4% below the state median of $1,033 and about 3% below the national median county at $1,018. About 20,820 people live here, 64th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $970 in 48654 (Rose City) and $1,160 in 48610 (Alger), with the 6 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.
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 Ogemaw somewhere between $890 and $1,088. 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.
$989 a month is affordable, by HUD's 30% rule, on an income of roughly $39,560 a year. Put another way, $19 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% ($890) | HAP at 100% ($989) | HAP at 110% ($1,088) |
|---|---|---|---|---|
| $2,500 | $750 | $140 | $239 | $338 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 6% from FY 2025 ($933) to FY 2026 ($989). Since FY 2020 it's up 39% in total, about 5.6% a year. The Michigan median moved up 7% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $549 | $626 | $713 | $935 | $1,108 | — |
| FY 2021 | $558 | $644 | $734 | $948 | $1,089 | +2.9% |
| FY 2022 | $582 | $664 | $757 | $958 | $1,055 | +3.1% |
| FY 2023 | $613 | $731 | $826 | $1,012 | $1,110 | +9.1% |
| FY 2024 | $636 | $806 | $905 | $1,101 | $1,205 | +9.6% |
| FY 2025 | $640 | $843 | $933 | $1,124 | $1,237 | +3.1% |
| FY 2026 | $682 | $843 | $989 | $1,186 | $1,309 | +6.0% |
| FY 2027 | $737 | $841 | $1,033 | $1,231 | $1,358 | +4.4% |
Nearby counties
Questions people ask
$989 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $682 for a studio, $843 for one bedroom, $1,186 for three and $1,309 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 Ogemaw actually go for?
HUD's number is one input. Search any address in Ogemaw for a rent estimate built from nearby comps. 3 free searches, no card.
Free tier. No credit card.