Section 8 Rent in ZIP 46402
FY2026 Small Area Fair Market Rent for ZIP 46402 in Lake County, Indiana: the exact per-bedroom rents HUD publishes for this ZIP, the estimated payment-standard range, the housing authorities that administer vouchers here, and whether a landlord can legally decline a voucher in Indiana.
What is the average rent in ZIP 46402?
HUD's Fair Market Rent is the standard benchmark for typical rent in a ZIP code: it is set at the 40th percentile of gross rents (rent plus utilities) that recent movers actually paid in the area. For FY2026, that benchmark is $920 for a one-bedroom and $1,120 for a two-bedroom in ZIP 46402. Asking rents on new listings often run somewhat above this figure, and voucher payment standards are set within 90–110% of it — the full per-bedroom table is above.
Estimated payment standard range (2 BR)
Local PHAs set payment standards between 90% and 110% of FMR. Exact figures vary by PHA. The numbers below are the modeled range.
Gross rent before the tenant utility allowance. The PHA's published payment standard is the number that actually applies; verify with the PHA before signing a lease or HAP contract.
ZIP vs county FMR (2 BR)
ZIP 46402 at $1,120 is $197 lower than the Lake County county-wide 2 BR FMR of $1,317. In SAFMR metros the ZIP number applies, so the county-wide figure overstates what a voucher covers in this ZIP.
Can a landlord refuse Section 8 in ZIP 46402?
Yes. Indiana law blocks local governments from requiring voucher acceptance, so landlords in ZIP 46402 can legally decline Section 8 applicants. Listing on a voucher-friendly marketplace is the fastest way to find the landlords who do accept.
Indiana preempts local SOI protections. No statewide law. Landlords can refuse vouchers.
Informational only, not legal advice. Laws change, so verify current status before acting on a rejection or making a leasing decision.
Housing authorities serving Lake County
Housing Authority of the City of Gary Indiana
Gary · PHA code IN011
2,527 Section 8 unitsHousing Authority of the City of East Chicago
East Chicago · PHA code IN029
1,147 Section 8 unitsHousing Authority of the City of Hammond
Hammond · PHA code IN010
898 Section 8 units
The PHA whose jurisdiction covers ZIP 46402 handles the application, the HAP contract, and the unit inspection.
Frequently asked questions
- How much does Section 8 pay for a 2-bedroom in ZIP 46402?
- For ZIP 46402 in Lake County, IN, the FY2026 two-bedroom Small Area Fair Market Rent is $1,120 per month. Local housing authorities set the Section 8 payment standard between 90% and 110% of that, roughly $1,010 to $1,230 before the tenant's utility allowance.
- What are the FY2026 Section 8 rent limits for ZIP 46402?
- HUD's FY2026 Small Area Fair Market Rent for ZIP 46402, by bedroom size: studio $820, 1-bedroom $920, 2-bedroom $1,120, 3-bedroom $1,370, 4-bedroom $1,480. In SAFMR metros the ZIP-level figure, not the county average, is what applies to an address here.
- Which housing authority covers ZIP 46402?
- Vouchers for Lake County are administered by Housing Authority of the City of Gary Indiana, Housing Authority of the City of East Chicago, Housing Authority of the City of Hammond. The authority whose jurisdiction covers ZIP 46402 handles the application, the waitlist, the HAP contract, and the unit inspection.
Find Section 8 apartments in ZIP 46402
VoucherMatch connects voucher holders with landlords who accept Section 8, and it is free for renters. Landlords: listings here reach applicants whose voucher already covers the rent above.
SAFMR data published by HUD for FY2026. ZIP 46402 maps to Lake County, IN · FIPS 18089. Investors can run these numbers in the RentalCalcs voucher analyzer.