Renting in Noble County, Indiana: fair rents and Section 8

Fair market rent, 2 bedrooms: $1,023; a month, HUD, Fiscal year 2027; 21% less than in Indiana
Typical rent: $832; a month, Census, Average 2020–2024; 22% less than in Indiana
Wage needed: $19.67; an hour, 2 bedrooms; Or $40,920 a year, to spend no more than 30% of income on rent.
Rent-burdened households: 43%; spend 30% or more of income on rent; 10% less than in Indiana

Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD) (external site) Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates (external site)

Only here

Renting in Noble County: what sets it apart

What this place has that others do not, from public data, most unusual first.

Noble County has the lowest typical rent in its area: $832, less than any of its 6 neighboring counties; next is LaGrange County ($839).

Sources: U.S. Census Bureau (Average 2020–2024).

Fair market rent

What HUD sets for each size

Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Noble County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.

The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)

Fair market rent and wage needed To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Fair market rent and wage needed. To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).
Size	Fair rent per month	Hourly wage	Income needed per year
Studio	$765	$14.71	$30,600
1 bedroom	$782	$15.04	$31,280
2 bedrooms	$1,023	$19.67	$40,920
3 bedrooms	$1,219	$23.44	$48,760
4 bedrooms	$1,710	$32.88	$68,400

HUD area: Noble County, IN. Source: HUD, Fiscal year 2027

By ZIP code

The fair market rent for your ZIP code

HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 18 ZIP codes in Noble County (Fiscal year 2027). Type yours to see it.

For 2 bedrooms they run from $1,010 in 46710 to $1,110 in 46732. 12 ZIP codes are above the county's fair market rent ($1,023).

Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)

Fair market rent by ZIP code, HUD area and size, Fiscal year 2027. A ZIP code that crosses a HUD area line appears once per area.

46701	Noble County, IN	$800	$820	$1,070	$1,270	$1,790
46710	DeKalb County, IN	$760	$780	$1,010	$1,210	$1,690
46710	Noble County, IN	$760	$780	$1,010	$1,210	$1,690
46732	Kosciusko County, IN	$830	$850	$1,110	$1,330	$1,700
46732	Noble County, IN	$830	$850	$1,110	$1,330	$1,700
46755	DeKalb County, IN	$760	$780	$1,010	$1,210	$1,700
46755	Noble County, IN	$760	$780	$1,010	$1,210	$1,700
46760	Noble County, IN	$810	$830	$1,080	$1,290	$1,810
46763	DeKalb County, IN	$780	$810	$1,020	$1,240	$1,540
46763	Noble County, IN	$780	$810	$1,020	$1,240	$1,540
46767	Elkhart-Goshen, IN	$880	$900	$1,080	$1,400	$1,800
46767	Kosciusko County, IN	$880	$900	$1,080	$1,400	$1,800
46767	LaGrange County, IN	$880	$900	$1,080	$1,400	$1,800
46767	Noble County, IN	$880	$900	$1,080	$1,400	$1,800
46784	LaGrange County, IN	$790	$810	$1,060	$1,260	$1,770
46784	Noble County, IN	$790	$810	$1,060	$1,260	$1,770
46794	Noble County, IN	$800	$820	$1,070	$1,270	$1,780
46796	Noble County, IN	$800	$820	$1,070	$1,280	$1,800

ZIP code 2 bd3 bd
46701 · Noble County, IN $1,070$1,270
46710 · DeKalb County, IN $1,010$1,210
46710 · Noble County, IN $1,010$1,210
46732 · Kosciusko County, IN $1,110$1,330
46732 · Noble County, IN $1,110$1,330
46755 · DeKalb County, IN $1,010$1,210
46755 · Noble County, IN $1,010$1,210
46760 · Noble County, IN $1,080$1,290
46763 · DeKalb County, IN $1,020$1,240
46763 · Noble County, IN $1,020$1,240
46767 · Elkhart-Goshen, IN $1,080$1,400
46767 · Kosciusko County, IN $1,080$1,400
46767 · LaGrange County, IN $1,080$1,400
46767 · Noble County, IN $1,080$1,400
46784 · LaGrange County, IN $1,060$1,260
46784 · Noble County, IN $1,060$1,260
46794 · Noble County, IN $1,070$1,270
46796 · Noble County, IN $1,070$1,280

Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)

Rent burden

How many households spend too much

HUD counts rent as a burden when it reaches 30% of income or more. In Noble County, 43% of renter households are in that position; in Indiana, 48%, and nationwide, 51% (Average 2020–2024, Census).

Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.

43%

of renter households spend 30% or more of their income on rent.

4,154 households rent in Noble County

Spend half or more of their income 15%
Spend 30% or more, but less than half 28%
Spend less than 30% 57%

Compared with the state and the country

Noble 43%
Indiana 48%
United States 51%

Low-income apartments

Low-income apartments in Noble County

HUD lists 13 properties with homes for low-income households in Noble County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.

with tax credits (LIHTC): 8
HUD-assisted: 4
public housing: 2

624 homes in all; 624 of them low-income, according to HUD.

Carriage House Kendallville HUD-assisted 340 Ashton Dr, Kendallville 46755 150 low-income homes · For families · (260) 347-0303
Ra Streb Complex Tax credit (LIHTC) · Public housing 240 Angling Rd, Kendallville 46755 118 low-income homes · 1 bd: 12 · 2 bd: 12 · In service since 2005 · Run by Housing Authority of the City of Kendallville · Average payment: $403 a month · Average wait: 5 months · (260) 347-1091
Riverside Villa Apartments Tax credit (LIHTC) 200 Water St, Ligonier 46767 54 low-income homes · 1 bd: 24 · 2 bd: 30 · In service since 2018 · For families
Provena Laverna Terrace HUD-assisted 517 N Main St, Avilla 46710 51 low-income homes · For older adults · (260) 897-2093
Front ST Ct&sylvan Manor Public housing 150 Kerr Ave, Rome City 46784 50 low-income homes · Run by Housing Authority of the City of Rome City · Average payment: $292 a month · Homes at several sites · (260) 854-4122
Drake Terrace III Tax credit (LIHTC) 636 Berry Ln, Kendallville 46755 46 low-income homes · 1 bd: 6 · 2 bd: 32 · 3 bd: 8 · In service since 1992
Deerfield Apts II Tax credit (LIHTC) 1998 Deerfield Ln, Kendallville 46755 40 low-income homes · 1 bd: 16 · 2 bd: 12 · 3 bd: 12 · In service since 1994
Atz Place Tax credit (LIHTC) 301 E Wayne St, Kendallville 46755 38 low-income homes · 1 bd: 24 · 2 bd: 14 · In service since 2017 · For older adults
Towne Village Apts Tax credit (LIHTC) 997 Southfield Dr, Ligonier 46767 28 low-income homes · 1 bd: 13 · 2 bd: 15 · In service since 2004
Drake Terrace Senior Apts II Tax credit (LIHTC) 701 Briarwood Dr, Kendallville 46755 18 low-income homes · 1 bd: 16 · 2 bd: 2 · In service since 1992
Opportunity Apartments HUD-assisted 1905 Dowling St, Kendallville 46755 15 low-income homes · For people with disabilities · (260) 347-0018
Crown Pointe Villas Tax credit (LIHTC) 200 Holiday Ln, Cromwell 46732 8 low-income homes · 2 bd: 8 · In service since 1993
Pioneer Lodge HUD-assisted 409 S Lincoln St, Kendallville 46755 8 low-income homes · For people with disabilities · (260) 349-0237

One property has two programs at the same address and appears once. Search HUD's map

How to apply

For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information. Source: HUD
You apply for public housing at the housing agency that runs it. The agency looks at your yearly income, whether you are a family, an older adult or a person with a disability, and your U.S. citizenship or eligible immigration status. If you qualify, your name goes on a waiting list unless they can help you right away. Source: HUD
In tax-credit (LIHTC) apartments, the low-income homes have an income limit, a percentage of the area median income, and a rent cap. Source: 26 U.S.C. §42(g)
In buildings with Section 8 project-based assistance, only low-income households can move in. Source: 24 CFR §5.653(b)
A housing voucher (Section 8) is a separate kind of help: you apply at the public housing agency and use it to rent a home you choose. Source: HUD

This county's income limits Search HUD's map

In public housing, the average payment is what households pay on average for rent and utilities, and the average wait is the time on the list of those who moved in. HUD does not publish those figures where fewer than 11 households reported.

Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.

Section 8

The Section 8 voucher in Noble County

The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 2 agencies serve in Noble County. Here is what the rules say:

The rules, with their source

You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)

Mixed-status families: how assistance is figured

HUD income limits Yearly income of the whole family, before taxes.

HUD income limits by family size, Fiscal year 2026. Area: Noble County, IN.
People	Extremely low (30%)	Very low (50%)	Low
1 person	$18,200	$30,350	$48,550
2 people	$21,640	$34,700	$55,500
3 people	$27,320	$39,050	$62,450
4 people	$33,000	$43,350	$69,350
5 people	$38,680	$46,850	$74,900
6 people	$44,360	$50,300	$80,450
7 people	$50,040	$53,800	$86,000
8 people	$55,720	$57,250	$91,550

Area median income: $86,700. HUD income limits by family size, Fiscal year 2026. Area: Noble County, IN. Source: HUD, Fiscal year 2026

How much can you earn? Check your case

Possible payment standard

Studio $689 – $842
1 bedroom $704 – $860
2 bedrooms $921 – $1,125
3 bedrooms $1,097 – $1,341
4 bedrooms $1,539 – $1,881

The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.

Housing agencies that serve this place

Housing Authority of the City of Kendallville Public housing · 118 public housing units (260) 347-1091 Housing Authority of the City of Kendallville: apyle@khalamplighter.com
Housing Authority of the City of Rome City Public housing · 50 public housing units (260) 854-4122 Housing Authority of the City of Rome City: rcha@mchsi.com

Housing agencies in Indiana Source: HUD, Retrieved November 6, 2026

Your rights as a tenant in Indiana

What Indiana law says about deposits, notices and eviction, with the citation for each rule.

See your rights, rule by rule

Compare these rules with other states →

A summary of state law, not legal advice. Cities may have additional rules.

When must they return my deposit?: 45 days; Ind. Code §32-31-3-12(a)
If I fall behind on rent, what notice must I get?: 10 days; Ind. Code §32-31-1-6
How much notice before a rent increase?: 30 days; Ind. Code §32-31-5-4

Only a court order can remove youInd. Code §32-31-5-6(c)
Protection from retaliationInd. Code §32-31-8.5-5

Help

Where to get help with rent in Noble County

These are the nearest HUD-approved agencies. They counsel for free or at low cost.

LG
Lacasa of Goshen, Inc.

202 N Cottage Ave, Goshen · 25 miles away · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 6 more
574-533-4450x72
LG
Lacasa of Goshen Inc - Branch Office

516 S Main St, Elkhart · 34 miles away · Spanish
- Budget and financial counseling
- Budget and credit workshops
- and 3 more
(574) 533-4450

See every agency in Indiana Find legal aid (lsc.gov)

Tool

How much cash do you need to move in?

It starts with the 2-bedroom fair market rent in Noble County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.

Count power on top of the rent: in Indiana, the average home bill was $133 a month in 2024 (EIA). See electricity and gas costs

Open the full tool

Your move

State

We use the place's fair market rent and the state's deposit rule.

Monthly rentHUD fair market rent$HUD two-bedroom fair market rent (FMR) in Noble County (FY2027). Enter the rent of the home you want.What you can set aside each month$To see how long it takes to put it together.

Adjust advanced details

Deposit and rent in advance

The deposit, in

Months of rentDollars

Months of rent for the depositThat is $1,023. We start with an example; enter what you are asked for.Pay the first month before moving inThey also ask for the last month

Application fees$What each application charges, for all the ones you'll fill out.Utility deposits and connection$Electricity, gas, water and internet. Ask each company.The move$Planning example, not a price: $100 to $400 to rent a truck for a day for a move within your city. Get quotes.Pet deposit$Other costs$Boxes, locks, basic furniture.

Let's do the math

Cash to move in

$2,046

What you need before you get the keys.

What adds up

First month: $1,023
Security deposit: $1,023
Total: $2,046

The deposit cap

Pick your state to see whether its law caps the deposit.

Compare each state's rules →

When you'll have it

Enter what you can set aside each month to see how long it takes.

What helps

Ask for a receipt for every payment and keep a copy of the lease.
On move-in day, walk through the home and take dated photos.
Never send money for a home you haven't seen or a lease you haven't read.

Guide: the security deposit Guide: avoiding rental scams Family budget How much rent can I afford?

This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.

Guides

Before you sign

Frequently asked questions

What is the fair market rent in Noble County?

According to HUD (Fiscal year 2027): Studio: $765; 1 bedroom: $782; 2 bedrooms: $1,023; 3 bedrooms: $1,219; 4 bedrooms: $1,710. It covers rent plus basic utilities, except the phone.

How much do you need to earn to rent in Noble County?

Paying the 2-bedroom fair market rent ($1,023) without spending more than 30% of income takes $19.67 an hour full time, or $40,920 a year.

Who qualifies for Section 8 in Noble County?

Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $43,350 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.

How much does Section 8 pay in Noble County?

The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $921 and $1,125 a month. Your agency publishes its figure.

Does the fair market rent change by ZIP code in Noble County?

For 2 bedrooms they run from $1,010 in 46710 to $1,110 in 46732. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.

How many low-income apartments are there in Noble County?

HUD lists 13 properties with homes for low-income households in Noble County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.

How many households spend too much on rent in Noble County?

HUD counts rent as a burden when it reaches 30% of income or more. In Noble County, 43% of renter households are in that position; in Indiana, 48%, and nationwide, 51% (Average 2020–2024, Census).

Sources and methodology

Fair market rents and income limits come from HUD; typical rent and the burden, from the Census. The wage needed is our calculation: fair market rent × 12 ÷ 30% ÷ full-time hours a year. The voucher rules were read in their official text on the date shown.

Fair Market Rents Fiscal year 2027
Small Area Fair Market Rents Fiscal year 2027
Low-income apartments Retrieved November 6, 2026
American Community Survey Average 2020–2024
Income Limits Fiscal year 2026
Public Housing Agencies Retrieved November 6, 2026
HUD-approved housing counseling agencies Retrieved November 6, 2026

Program rules

24 CFR §888.113, Fair market rents for existing housing: Methodology Verified October 30, 2026
24 CFR §982.503, Payment standard areas, schedule, and amounts Verified October 30, 2026
24 CFR §5.603, Definitions (income) Verified October 30, 2026
24 CFR §982.201, Eligibility and targeting Verified October 30, 2026
24 CFR §982.1, Programs: purpose and structure Verified October 30, 2026
24 CFR §982.508, Maximum family share at initial occupancy Verified October 30, 2026
HUD, Housing Choice Voucher Tenants Verified October 30, 2026

Renting in Noble County, Indiana

Four numbers to start with

Renting in Noble County: what sets it apart

What HUD sets for each size

The fair market rent for your ZIP code

How many households spend too much

Compared with the state and the country

Low-income apartments in Noble County

The Section 8 voucher in Noble County

The rules, with their source

Possible payment standard

Housing agencies that serve this place

Your rights as a tenant in Indiana

Where to get help with rent in Noble County

How much cash do you need to move in?

Your move

Before you sign

Frequently asked questions

What is the fair market rent in Noble County?

How much do you need to earn to rent in Noble County?

Who qualifies for Section 8 in Noble County?

How much does Section 8 pay in Noble County?

Does the fair market rent change by ZIP code in Noble County?

How many low-income apartments are there in Noble County?

How many households spend too much on rent in Noble County?