43414

ZIPSAFMR

Wood County, OH

ZIP Investment Score

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$840	$750	5.3%
1 BR	$890	$920	4.5%
2 BR	$1,170	$1,190	4.7%
3 BR	$1,490	$1,430	3.3%
4 BR	$1,590	$1,620	3.6%
5 BR	$1,828	Not available	3.6%
6 BR	$2,103	Not available	3.6%
7 BR	$2,418	Not available	3.6%
8 BR	$2,781	Not available	3.6%

Purchase Price Calculator

Maximum purchase price

$114,917

Cost breakdown

+Likely effective rent$1,190

HUD FMR$1,170

Market rent$1,200

Est. payment standard (102%)Used$1,190

-Principal and interest-$581

Loan amount$91,934

Down payment$22,983

Rate6.50%

Term30 years

-Operating costs-$409

Property taxes-$115

Insurance-$175

Utilities$0

HOA$0

Management-$119

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$19,330(84.1% ROI)

Projected value

$123,753

Return breakdown

Property appreciation+$8,836

Loan principal paid down+$3,294

Rental cash flow+$7,200

5-year hold

+$32,975(143.5% ROI)

Projected value

$130,018

Return breakdown

Property appreciation+$15,101

Loan principal paid down+$5,874

Rental cash flow+$12,000

10-year hold

+$70,182(305.4% ROI)

Projected value

$147,103

Return breakdown

Property appreciation+$32,186

Loan principal paid down+$13,996

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

1.12ratio

FMR$840

Market$750

vs market+$90

FMR is above market; underwrite to market rent.

1.12

1 BR

0.96ratio

FMR$890

Market$930

vs market-$40

FMR is near market; voucher and private rents are aligned.

0.96

2 BR

0.97ratio

FMR$1,170

Market$1,200

vs market-$30

FMR is near market; voucher and private rents are aligned.

0.97

3 BR

1.04ratio

FMR$1,490

Market$1,430

vs market+$60

FMR is near market; voucher and private rents are aligned.

1.04

4 BR

0.97ratio

FMR$1,590

Market$1,640

vs market-$50

FMR is near market; voucher and private rents are aligned.

0.97

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 43414 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 43414 (Dunbridge, OH) is $1,170 a month. That is up 8.3% from $1,080 in FY 2026. Dunbridge 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 39 ZIP codes in Wood County, 43414 is tied for the 14th-highest two-bedroom rent (county range $1,000–$1,720). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 43414 is 12% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 43414
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$770	$840	+9.1%	$756–$924
1BR	$820	$890	+8.5%	$801–$979
2BR	$1,080	$1,170	+8.3%	$1,053–$1,287
3BR	$1,390	$1,490	+7.2%	$1,341–$1,639
4BR	$1,460	$1,590	+8.9%	$1,431–$1,749

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 43414
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$840	$890	$1,170	$1,490	$1,590
FY 2026	$770	$820	$1,080	$1,390	$1,460
FY 2025	$730	$790	$1,030	$1,340	$1,400
FY 2024	$720	$780	$1,020	$1,350	$1,430
FY 2023	$670	$730	$950	$1,280	$1,370

Two-bedroom rent in nearby Wood County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 43414
43402	$1,170	0.0%
43403	$1,170	0.0%
43406	$1,000	−14.5%
43413	$1,210	+3.4%
43414Current	$1,170	—
43430	$1,140	−2.6%
43431	$1,000	−14.5%
43437	$1,210	+3.4%
43441	$1,170	0.0%
43443	$1,280	+9.4%
43447	$1,280	+9.4%
43450	$1,640	+40.2%

Questions about ZIP 43414 rents

How much will Section 8 pay for a two-bedroom in ZIP 43414?

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 $1,170 it would be $1,053 to $1,287. 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 43414 in?

ZIP 43414 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 43414 for FY 2027?

The two-bedroom FMR rose 8.3%, from $1,080 in FY 2026 to $1,170 in FY 2027. Since FY 2023 it has risen 23.2%.

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 rent Dunbridge, OH fair market rent OH statewide rents What is SAFMR?Data sources