Metro FMR area · MN · HUD FY 2027
St. Cloud, MN Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in the St. Cloud, MN area is $1,233 a month, 18% below the Minnesota average and 30% below the U.S. average of $1,761. ZIP-level Small Area FMRs for its 45 ZIP codes range from $1,090 to $1,680.
- $1,2332-bedroom FMR+$27 (+2.2%) vs FY 2026
- $9611-bedroom FMRU.S.: $1,478
- $49,320Income for a 2-bedroomat 30% of income
- 202,458Residents2 counties
| Unit | St. Cloud, MN FY 2027 | FY 2026 | Change | Minnesota avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $884 | $874 | +$10 (+1.1%) | $1,102 | $1,379 | $35,360 |
| 1 bedroom | $961 | $919 | +$42 (+4.6%) | $1,231 | $1,478 | $38,440 |
| 2 bedrooms | $1,233 | $1,206 | +$27 (+2.2%) | $1,507 | $1,761 | $49,320 |
| 3 bedrooms | $1,656 | $1,604 | +$52 (+3.2%) | $1,980 | $2,266 | $66,240 |
| 4 bedrooms | $1,961 | $1,873 | +$88 (+4.7%) | $2,243 | $2,607 | $78,440 |
Counties in this FMR area
| County | Residents in area |
|---|---|
| Benton County, MN | 41,593 |
| Stearns County, MN | 160,865 |
Small Area FMRs by ZIP code
Small Area FMRs apply to Housing Choice Vouchers where HUD requires them or the housing authority opts in; otherwise the metro FMR above applies. The median ZIP’s 2-bedroom SAFMR is $1,230.
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 55320 | $1,120 | $1,270 | $1,540 | $2,040 | $2,280 | +$20 (+1.3%) | 25% above |
| 55329 | $790 | $900 | $1,090 | $1,480 | $1,690 | +$50 (+4.8%) | 12% below |
| 55353 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$50 (+4.8%) | 12% below |
| 55371 | $1,120 | $1,270 | $1,540 | $2,040 | $2,280 | +$20 (+1.3%) | 25% above |
| 55382 | $1,210 | $1,360 | $1,680 | $2,230 | $2,540 | +$90 (+5.7%) | 36% above |
| 55389 | $790 | $930 | $1,090 | $1,470 | $1,690 | +$50 (+4.8%) | 12% below |
| 56301 | $970 | $1,050 | $1,350 | $1,810 | $2,150 | +$40 (+3.1%) | 9% above |
| 56302 | $910 | $990 | $1,270 | $1,710 | $2,020 | +$30 (+2.4%) | 3% above |
| 56303 | $840 | $910 | $1,170 | $1,570 | $1,860 | no change | 5% below |
| 56304 | $1,120 | $1,270 | $1,540 | $2,040 | $2,280 | +$20 (+1.3%) | 25% above |
| 56307 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$50 (+4.8%) | 12% below |
| 56310 | $790 | $840 | $1,090 | $1,450 | $1,720 | +$50 (+4.8%) | 12% below |
| 56312 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$50 (+4.8%) | 12% below |
| 56314 | $820 | $910 | $1,170 | $1,620 | $1,720 | +$80 (+7.3%) | 5% below |
| 56316 | $900 | $970 | $1,250 | $1,640 | $1,900 | +$40 (+3.3%) | 1% above |
| 56320 | $1,100 | $1,190 | $1,530 | $2,060 | $2,430 | +$170 (+12.5%) | 24% above |
| 56321 | $910 | $990 | $1,270 | $1,710 | $2,030 | +$50 (+4.1%) | 3% above |
| 56325 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$50 (+4.8%) | 12% below |
| 56329 | $1,120 | $1,270 | $1,540 | $2,040 | $2,280 | +$20 (+1.3%) | 25% above |
| 56330 | $970 | $1,040 | $1,340 | $1,630 | $2,220 | +$110 (+8.9%) | 9% above |
| 56331 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$30 (+2.8%) | 12% below |
| 56333 | $810 | $880 | $1,130 | $1,520 | $1,800 | +$30 (+2.7%) | 8% below |
| 56335 | $880 | $960 | $1,230 | $1,650 | $1,960 | +$40 (+3.4%) | about the same as |
| 56336 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$50 (+4.8%) | 12% below |
| 56340 | $900 | $990 | $1,270 | $1,710 | $1,990 | +$50 (+4.1%) | 3% above |
| 56352 | $880 | $960 | $1,230 | $1,650 | $1,960 | +$40 (+3.4%) | about the same as |
| 56356 | $830 | $900 | $1,150 | $1,550 | $1,840 | +$20 (+1.8%) | 7% below |
| 56357 | $930 | $1,010 | $1,300 | $1,660 | $2,100 | +$30 (+2.4%) | 5% above |
| 56360 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$50 (+4.8%) | 12% below |
| 56362 | $830 | $900 | $1,150 | $1,550 | $1,810 | +$40 (+3.6%) | 7% below |
| 56367 | $900 | $980 | $1,260 | $1,690 | $2,000 | no change | 2% above |
| 56368 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$50 (+4.8%) | 12% below |
| 56369 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$50 (+4.8%) | 12% below |
| 56371 | $790 | $850 | $1,100 | $1,470 | $1,730 | +$50 (+4.8%) | 11% below |
| 56373 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$50 (+4.8%) | 12% below |
| 56374 | $960 | $1,040 | $1,340 | $1,800 | $2,130 | +$50 (+3.9%) | 9% above |
| 56375 | $940 | $1,020 | $1,320 | $1,770 | $2,090 | +$280 (+26.9%) | 7% above |
| 56376 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$50 (+4.8%) | 12% below |
| 56377 | $1,010 | $1,100 | $1,410 | $1,890 | $2,240 | +$20 (+1.4%) | 14% above |
| 56378 | $790 | $830 | $1,090 | $1,450 | $1,690 | +$50 (+4.8%) | 12% below |
| 56379 | $1,120 | $1,270 | $1,540 | $2,040 | $2,280 | +$20 (+1.3%) | 25% above |
| 56385 | $860 | $940 | $1,230 | $1,510 | $1,690 | +$30 (+2.5%) | about the same as |
| 56387 | $920 | $1,000 | $1,280 | $1,720 | $2,040 | +$30 (+2.4%) | 4% above |
| 56388 | $910 | $990 | $1,270 | $1,710 | $2,020 | +$30 (+2.4%) | 3% above |
| 56395 | $910 | $990 | $1,270 | $1,710 | $2,020 | +$30 (+2.4%) | 3% above |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.