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Lucas County/Curtice/43412

43412

ZIPSAFMR
Lucas County, OH
Zillow

ZIP Investment Score

93Below average

095130300
BRFMR
Eff. Rent
0 BR$860$950
1 BR$900$990
2 BR$1,190$1,310
3 BR$1,480$1,630
4 BR$1,710$1,880
5 BR$1,966Not available
6 BR$2,261Not available
7 BR$2,601Not available
8 BR$2,991Not available

Purchase Price Calculator

Maximum purchase price
$132,749

Cost breakdown

+Likely effective rent$1,310
HUD FMR$1,190
Market rent$1,980
Est. payment standard (110%)Used$1,310
-Principal and interest-$671
Loan amount$106,199
Down payment$26,550
Rate6.50%
Term30 years
-Operating costs-$439
Property taxes-$133
Insurance-$175
Utilities$0
HOA$0
Management-$131
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,212(79.9% ROI)
Projected value
$142,956
Return breakdown
Property appreciation+$10,207
Loan principal paid down+$3,805
Rental cash flow+$7,200
5-year hold
+$36,229(136.5% ROI)
Projected value
$150,193
Return breakdown
Property appreciation+$17,444
Loan principal paid down+$6,785
Rental cash flow+$12,000
10-year hold
+$77,349(291.3% ROI)
Projected value
$169,930
Return breakdown
Property appreciation+$37,181
Loan principal paid down+$16,168
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.52
1 BR
0.49
2 BR
0.60
3 BR
0.74
4 BR
0.81
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 43412 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 43412 (Curtice, OH) is $1,190 a month. That is down 9.8% from $1,320 in FY 2026. Curtice is in the Toledo, OH MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,145. Among 32 ZIP codes in Lucas County, 43412 has the 11th-highest two-bedroom rent (county range $1,000–$1,580). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 43412 is 14% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 43412
BedroomsFY 2027Change90–110% range
Studio$860−9.5%$774–$946
1BR$900−10.0%$810–$990
2BR$1,190−9.8%$1,071–$1,309
3BR$1,480−9.8%$1,332–$1,628
4BR$1,710−10.0%$1,539–$1,881

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 43412
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$860$900$1,190$1,480$1,710
FY 2026$950$1,000$1,320$1,640$1,900
FY 2025$830$910$1,200$1,500$1,670
FY 2024$780$870$1,130$1,440$1,580
FY 2023$790$880$1,150$1,480$1,630

Two-bedroom rent in nearby Lucas County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 43412
43412Current$1,190—
43434$1,100−7.6%
43445$1,200+0.8%
43504$1,060−10.9%
43522$1,210+1.7%
43528$1,330+11.8%
43532$1,160−2.5%
43537$1,320+10.9%
43542$1,440+21.0%
43547$1,160−2.5%
43558$1,110−6.7%
43560$1,310+10.1%

Questions about ZIP 43412 rents

How much will Section 8 pay for a two-bedroom in ZIP 43412?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,145, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,031 to $1,260 a month; under the ZIP-level Small Area FMR of $1,190 it would be $1,071 to $1,309. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 43412 in?

ZIP 43412 is in the Toledo, OH MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,145.

How much did fair market rent change in ZIP 43412 for FY 2027?

The two-bedroom FMR fell 9.8%, from $1,320 in FY 2026 to $1,190 in FY 2027. Since FY 2023 it has risen 3.5%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentCurtice, OH fair market rentOH statewide rentsWhat is SAFMR?Data sources