How much does Section 8 pay for a 2-bedroom in ZIP 51645?

For ZIP 51645 in Fremont County, IA, the FY2027 two-bedroom Small Area Fair Market Rent is $1,090 per month. For illustration, 90% to 110% of this HUD benchmark is roughly $980 to $1,200. This modeled range is not the agency's adopted schedule. The agency calculates assistance using its applicable standard, household income and unit details; gross rent includes the allowance for tenant-paid utilities.

What are the FY2027 HUD rent benchmarks for ZIP 51645?

HUD's FY2027 Small Area Fair Market Rent for ZIP 51645, by bedroom size: studio $830, 1-bedroom $860, 2-bedroom $1,090, 3-bedroom $1,460, 4-bedroom $1,560. A ZIP benchmark helps compare locations but does not establish what a voucher pays. The administering agency's adopted schedule, program rules and household calculation determine assistance.

Which housing authority covers ZIP 51645?

Agencies listed for Fremont County include Tabor Low Rent Housing Agency, Low Rent Housing Agency of Sidney, Low Rent Housing Agency of Farragut. This county directory does not establish jurisdiction for every address. Check the agency on your voucher or application and confirm who would administer assistance at the proposed unit.

Section 8 Rent in ZIP 51645

FY2027 Small Area Fair Market Rent for ZIP 51645 in Fremont County, Iowa: HUD rent benchmarks by bedroom size, an illustrative percentage range, the housing authorities that administer vouchers here, and whether a landlord can legally decline a voucher in Iowa.

Studio

$830

1 BR

$860

2 BR

$1,090

3 BR

$1,460

4 BR

$1,560

What does the HUD rent benchmark measure in ZIP 51645?

HUD's Fair Market Rents estimate 40th-percentile gross rents for standard-quality units occupied by recent movers. Small Area FMRs provide ZIP-level estimates. These are not arithmetic average asking rents or approved voucher payments. For FY2027, that benchmark is $860 for a one-bedroom and $1,090 for a two-bedroom in ZIP 51645. Actual asking rents and adopted agency payment standards can differ. The full HUD benchmark table is above.

What changed from FY2026 to FY2027 in ZIP 51645

HUD's two-bedroom Small Area Fair Market Rent for ZIP 51645 rose from $1,060 in FY2026 to $1,090 in FY2027, a change of +$30 a month (+2.8%). FY2027 figures took effect on October 1, 2026.

Bedrooms	FY2026	FY2027	Change
Efficiency (studio)	$800	$830	+$30 (+3.8%)
1-bedroom	$840	$860	+$20 (+2.4%)
2-bedroom	$1,060	$1,090	+$30 (+2.8%)
3-bedroom	$1,410	$1,460	+$50 (+3.5%)
4-bedroom	$1,520	$1,560	+$40 (+2.6%)

The FMR is not what the voucher pays. Each housing authority sets its own payment standard. The basic range is 90% to 110% of the applicable FMR or SAFMR, with exceptions and Moving to Work policies that may differ. A HUD effective date is not a household rent-change notice. Confirm the adopted schedule and its application to your lease or reexamination with your agency.

Already renting with a voucher in ZIP 51645? Under standard HCV rules, once the housing authority raises its payment standard, the higher amount must be used for your subsidy no later than the earliest of three dates: a rent increase that would raise your share, your next regular or interim reexamination, or one year after the increase took effect (24 CFR 982.505(c)(4)). Confirm any applicable Moving to Work policy with your agency.

Landlords: a higher FMR does not raise a contract rent by itself. You still request the increase from the housing authority, and the new rent has to pass its rent reasonableness review against comparable unassisted units.

Source: HUD Small Area Fair Market Rents, FY2026 and FY2027, huduser.gov.

Illustration: 90% to 110% of the HUD benchmark (2 BR)

These percentages illustrate the basic payment-standard range, not a verified agency schedule. ZIP-based policies, approved exceptions and Moving to Work rules can differ.

Low (90%)

$980

FMR (100%)

$1,090

High (110%)

$1,200

Gross rent includes the applicable allowance for tenant-paid utilities. Ask your administering agency for the adopted standard and household affordability calculation; neither the HUD benchmark nor this illustration is a lease approval.

ZIP vs county FMR (2 BR)

ZIP 51645 at $1,090 is $163 higher than the Fremont County county-wide 2 BR FMR of $927. This is a comparison of HUD benchmarks. It does not establish the agency's adopted standard or the assistance available to a particular household.

Can a landlord refuse Section 8 in ZIP 51645?

Yes. Iowa law blocks local governments from requiring voucher acceptance, so landlords in ZIP 51645 can legally decline Section 8 applicants. Listing on a voucher-friendly marketplace is the fastest way to find the landlords who do accept.

Iowa Code §§331.304(13), 364.3(13) (2021)

Voided Des Moines, Iowa City and Marion ordinances as of January 1, 2023. PRRAC Appendix B (March 2026).

View statute →

Informational only, not legal advice. Laws change, so verify current status before acting on a rejection or making a leasing decision.

Housing authorities serving Fremont County

Tabor Low Rent Housing Agency
Tabor · PHA code IA012
—
Low Rent Housing Agency of Sidney
Sidney · PHA code IA008
—
Low Rent Housing Agency of Farragut
Farragut · PHA code IA010
—
Low Rent Housing Agency of Hamburg
Hamburg · PHA code IA007
—

These agencies are listed for the county. Confirm jurisdiction for the exact address and, if you already have a voucher, which agency will administer the proposed move.

Frequently asked questions

How much does Section 8 pay for a 2-bedroom in ZIP 51645?: For ZIP 51645 in Fremont County, IA, the FY2027 two-bedroom Small Area Fair Market Rent is $1,090 per month. For illustration, 90% to 110% of this HUD benchmark is roughly $980 to $1,200. This modeled range is not the agency's adopted schedule. The agency calculates assistance using its applicable standard, household income and unit details; gross rent includes the allowance for tenant-paid utilities.
What are the FY2027 HUD rent benchmarks for ZIP 51645?: HUD's FY2027 Small Area Fair Market Rent for ZIP 51645, by bedroom size: studio $830, 1-bedroom $860, 2-bedroom $1,090, 3-bedroom $1,460, 4-bedroom $1,560. A ZIP benchmark helps compare locations but does not establish what a voucher pays. The administering agency's adopted schedule, program rules and household calculation determine assistance.
Which housing authority covers ZIP 51645?: Agencies listed for Fremont County include Tabor Low Rent Housing Agency, Low Rent Housing Agency of Sidney, Low Rent Housing Agency of Farragut. This county directory does not establish jurisdiction for every address. Check the agency on your voucher or application and confirm who would administer assistance at the proposed unit.

Find Section 8 apartments in ZIP 51645

VoucherMatch connects voucher holders with landlords who accept Section 8, and it is free for renters. The administering housing authority must approve the actual unit, rent and household assistance calculation.

Browse voucher-friendly listings in ZIP 51645 List your unit free

Fremont County overview All of Iowa

Landlord and investor tools for Fremont County

RentalCalcs

Free calculators and guides from RentalCalcs, built by the VoucherMatch team, for landlords deciding whether to accept vouchers.

SAFMR data published by HUD for FY2027. ZIP 51645 maps to Fremont County, IA · FIPS 19071. Investors can run these numbers in the RentalCalcs voucher analyzer.