Temporary housing is a home insurance benefit typically provided by Coverage D of the homeowners policy. The rental housing provided is described as "like kind, and quality" to the policyholder's own home and this is quantified by the fair rental value of the policyholder's own home. To determine the fair rental value, available rental listings in the neighborhood are compared based on size, finish, and features.

The PHA determines a payment standard that is between 90 percent and 110 percent of the Fair Market Rents (FMRs). FMRs regularly published by HUD, represent the cost to rent a moderately-priced dwelling unit in the local housing market. The housing voucher tenant must pay 30 percent of its monthly adjusted gross income for rent and utilities, and if the unit rent is greater than the payment standard, the tenant is required to pay the additional amount.

Find your FMR here:  https://www.huduser.gov/portal/datasets/fmr.html

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