The 2 bedroom fair market rent for every St. Louis County ZIP code HUD publishes, the typical market asking rent where Zillow covers the ZIP code, and the gap between them. Where the fair market rent meets or beats the market, a voucher tenant is the stronger offer.
2 of the 8 St. Louis County ZIP codes with both signals are voucher competitive, 25 percent of them, and the county median spread is +13.8 percent, or +$178 against a median 2 bedroom fair market rent of $1,125.
The range inside the county matters more than the median. Duluth 55812 runs -6.8 percent, fair market rent $1,490 against market rent $1,389, while Duluth 55807 runs +40.3 percent at $1,190 against $1,669. A voucher that is the best offer on one side of the county can be short by a few hundred dollars on the other.
Zillow reaches 8 of the 48 St. Louis County ZIP codes with HUD data, so the rest of the table carries a fair market rent and no market comparison. That is a coverage limit, not a signal that those ZIP codes are cheap or expensive: Zillow publishes only where listing volume supports an index. For those ZIP codes the fair market rent is still the number a payment standard is built from, and you should pull real comps for the rest. The market rents here are also not all from the same month. They run from 2026-06 to 2026-07, one reading per ZIP code, and the Zillow month column in the table says which. The monthly report keeps only the newest month, so its county figures are built on fewer ZIP codes than this page.
Payment standards are not in this data. Vouchers in St. Louis County run through a county or regional housing authority rather than any of the three large metro agencies. Each authority sets its own payment standard, normally between 90 and 110 percent of the published fair market rent, and can ask HUD to approve more. Nothing on this page adjusts for that. Check the payment standard with the housing authority: Metro HRA, Minneapolis Public Housing Authority, and Saint Paul Public Housing Agency.
| ZIP | City | 2BR FMR | Market rent | Zillow month | Spread | Spread % | Voucher fit |
|---|---|---|---|---|---|---|---|
| 55812 | Duluth | $1,490 | $1,389 | 2026-07 | -$101 | -6.8% | Voucher competitive |
| 55792 | Virginia | $1,080 | $1,013 | 2026-06 | -$67 | -6.2% | Voucher competitive |
| 55805 | Duluth | $1,290 | $1,317 | 2026-07 | +$27 | +2.1% | |
| 55806 | Duluth | $1,160 | $1,240 | 2026-07 | +$80 | +6.9% | |
| 55802 | Duluth | $1,330 | $1,605 | 2026-07 | +$275 | +20.7% | |
| 55811 | Duluth | $1,570 | $2,002 | 2026-07 | +$432 | +27.5% | |
| 55804 | Duluth | $1,650 | $2,204 | 2026-07 | +$554 | +33.6% | |
| 55807 | Duluth | $1,190 | $1,669 | 2026-06 | +$479 | +40.3% | |
| 55779 | Saginaw | $1,850 | no data | ||||
| 55717 | Canyon | $1,710 | no data | ||||
| 55803 | Duluth | $1,710 | no data | ||||
| 55781 | Side Lake | $1,630 | no data | ||||
| 55814 | Duluth | $1,570 | no data | ||||
| 55810 | Duluth | $1,360 | no data | ||||
| 55602 | Brimson | $1,250 | no data | ||||
| 55724 | Cotton | $1,250 | no data | ||||
| 55750 | Hoyt Lakes | $1,250 | no data | ||||
| 55816 | Duluth | $1,250 | no data | ||||
| 55713 | Buhl | $1,240 | no data | ||||
| 55702 | Alborn | $1,230 | no data | ||||
| 55808 | Duluth | $1,230 | no data | ||||
| 55711 | Brookston | $1,170 | no data | ||||
| 55758 | Kinney | $1,160 | no data | ||||
| 55766 | Melrude | $1,150 | no data | ||||
| 55768 | Mountain Iron | $1,130 | no data | ||||
| 55731 | Ely | $1,120 | no data | ||||
| 55796 | Winton | $1,120 | no data | ||||
| 55734 | Eveleth | $1,100 | no data | ||||
| 55751 | Iron | $1,090 | no data | ||||
| 55772 | Nett Lake | $1,070 | no data | ||||
| 55771 | Orr | $1,060 | no data | ||||
| 55710 | Britt | $1,050 | no data | ||||
| 55725 | Crane Lake | $1,040 | no data | ||||
| 55703 | Angora | $1,030 | no data | ||||
| 55705 | Aurora | $1,030 | no data | ||||
| 55706 | Babbitt | $1,030 | no data | ||||
| 55708 | Biwabik | $1,030 | no data | ||||
| 55719 | Chisholm | $1,030 | no data | ||||
| 55723 | Cook | $1,030 | no data | ||||
| 55732 | Embarrass | $1,030 | no data | ||||
| 55736 | Floodwood | $1,030 | no data | ||||
| 55738 | Forbes | $1,030 | no data | ||||
| 55741 | Gilbert | $1,030 | no data | ||||
| 55746 | Hibbing | $1,030 | no data | ||||
| 55763 | Makinen | $1,030 | no data | ||||
| 55765 | Meadowlands | $1,030 | no data | ||||
| 55782 | Soudan | $1,030 | no data | ||||
| 55790 | Tower | $1,030 | no data |
Sorted from the most voucher friendly spread to the least, with ZIP codes that have no market rent at the end. Spread is market rent minus the 2 bedroom fair market rent, and the Zillow month column is the reading month behind that market rent. Click any ZIP code for its bedroom table, its rent trend, and the six nearest ZIP codes, or open the St. Louis County rent page for the wider rent picture.
In 2 of the 8 St. Louis County ZIP codes that carry both a HUD fair market rent and a Zillow market rent, the 2 bedroom fair market rent meets or beats typical asking rent. The county median 2 bedroom FMR is $1,125 for FY2026 against a median market rent of $1,497 as of each ZIP code's latest Zillow reading, a median spread of +13.8 percent. That is a screening signal, not a payment standard.
On this data it is Duluth 55812, where the 2 bedroom fair market rent of $1,490 sits -6.8 percent against a typical asking rent of $1,389. Duluth 55807 is the other end at +40.3 percent. Unit condition, bedroom count, and the specific block still decide the actual rent.
This data does not include payment standards. A public housing authority sets its own payment standard, normally between 90 and 110 percent of the published fair market rent, and can ask HUD to approve more. None of that is in this data. Confirm the standard with the housing authority that administers the voucher. Applied to the St. Louis County median 2 bedroom FMR of $1,125, a 90 to 110 percent band works out to roughly $1,012 to $1,238, which is a wide enough range to change whether a deal works.
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