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HUD sets the fair market rents (FMR) at 90% of the previous year's FMR for small area MMRs, which are not lower than 90% of the metro area FMR. Initially, each zip code's FMR will be 90% of the metro area FMR. After implementation, the relationship between small area and metro FMRs no longer matters. HUD can suspend MMRs for a metro area or exempt individual PHAs from using small area FMRs, based on documented reasons.