Location: Marshall County, IN | Metro: Kosciusko County, IN
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $790 |
| 1 Bedroom | $800 |
| 2 Bedrooms | $1,030 |
| 3 Bedrooms | $1,250 |
| 4 Bedrooms | $1,410 |
| 5 Bedrooms | $1,636 |
| 6 Bedrooms | $1,832 |
| 7 Bedrooms | $1,979 |
| 8 Bedrooms | $2,078 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,030 | $239,044 | 0.43% | F |
| 3BR | $1,250 | $298,327 | 0.42% | F |
| 4BR | $1,410 | $346,507 | 0.41% | F |
U.S. Census Bureau data (2024)
The ZIP code 46524, located in Etna Green, Indiana, presents a unique challenge for renters given the local economic conditions and rental market dynamics. The median household income stands at $65,987 according to recent Census ACS data. At a market rate of $660 per month, it would require households to allocate approximately 12% of their annual income towards rent alone. This percentage is manageable but leaves little room for other essential expenses such as utilities, food, and healthcare.
In comparison, the Fair Market Rent (FMR) standard set for the metro area for fiscal year 2026 is $970. This means that the voucher payment is significantly higher than the current market rate. Vouchers effectively bridge the gap between what renters can afford and what landlords might charge, aligning closer to the FMR benchmark rather than the local market rate.
Etna Green has a relatively low rental population of 5.7%, with a total population of 2,023. Given this limited pool of potential tenants, the affordability gap poses a significant issue for landlords. With only a small fraction of the population租房者来说，ZIP代码46524（印第安纳州埃特纳格林）的租金市场形势颇具挑战。根据最近的人口普查ACS数据，该地区的家庭中位收入为65,987美元。如果月租金为660美元，则家庭需要将其年收入的大约12%用于支付房租。尽管这一比例是可以接受的，但它留给其他必要开支（如水电费、食品和医疗保健）的空间非常有限。 相比之下，2026财年设定的大都市区公平市场租金（FMR）标准为970美元。这意味着住房券的支付金额明显高于当前的市场价格。住房券实际上弥补了租户负担得起的租金与房东可能收取的租金之间的差距，更接近于FMR基准而非当地市场价格。 埃特纳格林的租房人口比例仅为5.7%，总人口为2,023人。鉴于潜在租户群体如此有限，可负担性差距对房东来说是一个重大问题。在这样一个小比例的租房人口中，房东之间的竞争将非常激烈，尤其是在吸引那些能够全额支付市场租金的租户方面。 对于考虑住房券策略与现金支付策略的房东来说，关键在于平衡风险与回报。住房券可以确保稳定的租金收入，但处理政府相关的规定和要求会带来额外的管理负担。而依赖现金支付则意味着更高的租户筛选标准，以及可能因租户财务状况不稳定而导致的空置期或租金拖欠问题。房东应仔细评估这些因素，并根据自身情况做出决策。
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.