43609
ZIPSAFMR
Lucas County, OH
BRFMR
Eff. Rent
0 BR$790$760
1 BR$840$840
2 BR$1,100$880
3 BR$1,410$1,170
4 BR$1,490$1,350
5 BR$1,713
6 BR$1,971
7 BR$2,266
8 BR$2,606

Purchase Price Calculator

Maximum purchase price
$68,851

Cost breakdown

+Likely effective rent$880
HUD FMR$1,100
Market rentUsed$880
Est. payment standard (90%)$990
Market rent is below the inferred standard ($990, 90% of FMR).
-Principal and interest-$348
Loan amount$55,081
Down payment$13,770
Rate6.50%
Term30 years
-Operating costs-$332
Property taxes-$69
Insurance-$175
Utilities$0
HOA$0
Management-$88
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$14,467(105.1% ROI)
Projected value
$74,145
Current value$68,851
Return breakdown
Property appreciation+$5,294
Loan principal paid down+$1,973
Rental cash flow+$7,200
5-year hold
+$24,567(178.4% ROI)
Projected value
$77,899
Current value$68,851
Return breakdown
Property appreciation+$9,048
Loan principal paid down+$3,519
Rental cash flow+$12,000
10-year hold
+$51,670(375.2% ROI)
Projected value
$88,135
Current value$68,851
Return breakdown
Property appreciation+$19,284
Loan principal paid down+$8,385
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.04ratio
FMR$790
Market$760
vs market+$30

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

90% standard$711 / 0.94 ratio110% standard$869 / 1.14 ratio
1.04
1 BR
1 BR
1.00ratio
FMR$840
Market$840
vs market+$0

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

90% standard$756 / 0.90 ratio110% standard$924 / 1.10 ratio
1.00
2 BR
2 BR
1.25ratio
FMR$1,100
Market$880
vs market+$220

FMR is above market; underwrite to market rent.

90% standard$990 / 1.13 ratio110% standard$1,210 / 1.38 ratio
1.25
3 BR
3 BR
1.21ratio
FMR$1,410
Market$1,170
vs market+$240

FMR is above market; underwrite to market rent.

90% standard$1,269 / 1.08 ratio110% standard$1,551 / 1.33 ratio
1.21
4 BR
4 BR
1.10ratio
FMR$1,490
Market$1,350
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$1,341 / 0.99 ratio110% standard$1,639 / 1.21 ratio
1.10
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 43609 (OH) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

43609 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 43609 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,100 and the 4 bedroom fair market rent is $1,490.

Use this page for searches like 43609 FMR, 43609 fair market rent, and 43609 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 43609
Bedroom sizeHUD FMR
Studio$790
1 bedroom$840
2 bedroom$1,100
3 bedroom$1,410
4 bedroom$1,490