Metro FMR · CBSA 43780 · HUD FY2026

South Bend-Mishawaka, IN HUD Metro FMR Area Fair Market Rent

HUD's FY2026 Fair Market Rent for the South Bend-Mishawaka, IN HUD Metro FMR Area metro area - 15% above the US average.

$1,105
1-bedroom FMR
$1,292
2-bedroom FMR
+18.1%
YoY change
+15%
vs US avg

The verdict

A 2-bedroom in the South Bend-Mishawaka, IN HUD Metro FMR Area area rents at $1,292 under HUD's FY2026 Fair Market Rent - 10% above the US average, lower than 51% of the 387 metro areas HUD tracks.

#191
most affordable of 387 US metros (2BR)
+10%
vs the US 2-bedroom average
$51,680
income to afford it (30% rule)
+18.1%
1BR change, FY2025→2026

Affordability & income context

South Bend-Mishawaka: #191 most affordable nationally · income context

At the metro's ACS median household income of $65,385, this 1-bedroom FMR takes 20.3% of annual income. It is well below the 30% affordability guide for a median-income household.

The 2-bedroom figure places South Bend-Mishawaka in the middle half of HUD metro areas, using the same FY2026 HUD schedule as the national comparison.

With 323,992 residents, this is a mid-sized metro benchmark rather than a single-neighborhood rent quote.

Its 2-bedroom FMR sits in the middle half of HUD metro areas, so the local-income comparison is more informative than the national rank alone.

The studio-through-two-bedroom FMR bands stay below 30% of recorded median income here; the larger-bedroom rows show where that headroom narrows.

Observed renter burden: 46.5% of the 37,459 renter households counted by ACS paid at least 30% of income in gross rent. This ACS 2023 household measure is distinct from the FY2026 HUD FMR benchmark.

ACS median household income lags the FY2026 HUD FMR schedule. The income share is a same-metro cross-source read (Census ACS B19013 vs HUD FMR), not a same-vintage ratio.

Studio

$898/mo

16.5% of median income

1 Bedroom

$1,105/mo

20.3% of median income

2 Bedroom

$1,292/mo

23.7% of median income

3 Bedroom

$1,567/mo

28.8% of median income

4 Bedroom

$1,711/mo

31.4% of median income

FMR filing desk

CBSA CBSA·43780

South Bend-Mishawaka: $1,105/mo 1BR · #191 of 387 metros (2BR) · FY2026 CBSA 43780

  • CBSA 43780
  • 1BR-FMR $1,105
  • 2BR-FMR $1,292
  • RANK-MID #191
  • YOY-SURGE +18.1%
  • VSUS-ABOVE +15%
  • IN-ST-HIGH #10 IN
  • INC-MID 20%
  • POP-MAJOR 324K
  • PHOTO-NEAR Bloomington
  • VOUCH-90-110 $995–$1,216
  • FY-2026 FY2026

Photo-finish peer: Bloomington ($33 1BR gap)

Read with: Understanding rent burden

Where South Bend-Mishawaka sits among every US metro

2-bedroom Fair Market Rent vs. all 387 HUD metro areas

$1,292 higher than 49% of 387 metro areas

$800–$1,000: 28 metro areas (7%). Below this entry. $1,000–$1,200: 114 metro areas (29%). Below this entry. $1,200–$1,400: 95 metro areas (25%). This entry sits in this band. $1,400–$1,600: 52 metro areas (13%). Above this entry. $1,600–$1,800: 41 metro areas (11%). Above this entry. $1,800–$2,000: 26 metro areas (7%). Above this entry. $2,000–$2,200: 9 metro areas (2%). Above this entry. $2,200–$2,400: 5 metro areas (1%). Above this entry. $2,400–$2,600: 5 metro areas (1%). Above this entry. $2,600–$2,800: 5 metro areas (1%). Above this entry. $2,800–$3,000: 4 metro areas (1%). Above this entry. $3,000–$3,200: 2 metro areas (1%). Above this entry. $3,200–$3,400: 0 metro areas (0%). Above this entry. $3,400–$3,600: 0 metro areas (0%). Above this entry. $3,600–$3,800: 0 metro areas (0%). Above this entry. $3,800–$4,000: 0 metro areas (0%). Above this entry. $4,000–$4,200: 0 metro areas (0%). Above this entry. $4,200–$4,400: 1 metro areas (0%). Above this entry. This metro $800 $4,400 every US metro, bucketed by value

Each bar is a $0.2K-wide band; taller bars hold more metro areas. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2026

CBSA 43780

Counties inside South Bend-Mishawaka

HUD publishes one metro-wide FMR for CBSA 43780, but county-level schedules inside South Bend-Mishawaka still diverge: 2 counties range from $993 (2BR in Cass) to $1,292 (St. Joseph), a 30% spread. St. Joseph is the largest county by population.

St. Joseph County 2BR $1,292 · 272K Cass County 2BR $993 · 52K

South Bend-Mishawaka studio–4BR schedule (FY2026) · 2BR #191 most affordable

1BR $1,105 (+15% vs US, +18.1% YoY). Each bedroom band below is FY2026 HUD FMR for CBSA 43780.

Studio
$898
US avg $893
↑19.6% YoY +1% vs US
1 Bedroom
$1,105
US avg $959
↑18.1% YoY +15% vs US
2 Bedroom
$1,292
US avg $1,175
↑18.0% YoY +10% vs US
3 Bedroom
$1,567
US avg $1,525
↑16.1% YoY +3% vs US
4 Bedroom
$1,711
US avg $1,756
↑17.8% YoY -3% vs US

How South Bend-Mishawaka compares on 1-bedroom rent

1-bedroom FMR vs other IN metro areas

1BR FMR / mo

What this shows South Bend-Mishawaka highlighted among 5 peers · FY2026 1BR HUD FMR.

Source U.S. Department of Housing and Urban Development (HUD) As of FY2026

South Bend-Mishawaka: out-of-state FMR & burden peers

PlainRent pairs South Bend-Mishawaka with the 4 nearest HUD 2BR schedules and 4 nearest burden matches outside IN (burden peers exclude the FMR set; pop ≥50k).

2BR FMR · outside IN

Nearest schedules by 2BR delta (FY2026).

Brunswick-St. Simons
GA · 2 BR $1,293/mo
Jackson
MS · 2 BR $1,288/mo
Camden County
NC · 2 BR $1,287/mo
Pittsburgh
PA · 2 BR $1,299/mo

Burden % · outside IN

Nearest 2BR FMR ÷ ACS median income (FY2026).

Albany-Schenectady-Troy
NY · 23.7% of income · 2 BR $1,702/mo
Fairbanks-College
AK · 23.7% of income · 2 BR $1,676/mo
Erie
PA · 23.7% of income · 2 BR $1,212/mo
Memphis
TN · 23.6% of income · 2 BR $1,274/mo

South Bend-Mishawaka: quick answers

What is the average rent in the South Bend-Mishawaka, IN HUD Metro FMR Area metro area? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in South Bend-Mishawaka, IN HUD Metro FMR Area is $1,105 per month. A 2-bedroom is $1,292 and a studio is $898.
How does South Bend-Mishawaka, IN HUD Metro FMR Area rent compare to the national average? ▼
Rent in the South Bend-Mishawaka, IN HUD Metro FMR Area metro area is 15% above the national average. A 1-bedroom costs $1,105 compared to $959 nationally.
Where does South Bend-Mishawaka rank nationally for Fair Market Rent? ▼
HUD's FY 2026 2-bedroom FMR of $1,292 ranks #191 most affordable among 387 US metro areas (the middle half of HUD metro areas).
Do county rents differ inside the South Bend-Mishawaka metro area? ▼
Yes. HUD assigns one metro-wide FMR for CBSA 43780, but 2 constituent counties publish their own county FMR schedules spanning $993–$1,292 for a 2-bedroom (30% spread). Use county pages for filing at the county level.

Compare South Bend-Mishawaka vs Bloomington →

Data as of FY 2026. Source: U.S. Department of Housing and Urban Development (HUD) Fair Market Rents. Population and demographic data from U.S. Census Bureau American Community Survey (ACS).

Read our methodology - how this data is sourced, computed, and verified.

FY 2026 HUD FMR $1,105/mo · 1BR IN

Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2026.