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Lucas County/Toledo/43610

43610

ZIPSAFMR
Lucas County, OH
Zillow

ZIP Investment Score

150High yield potential

095130300
BRFMR
Eff. Rent
0 BR$820$810
1 BR$870$760
2 BR$1,140$860
3 BR$1,460$1,060
4 BR$1,550$1,270
5 BR$1,782Not available
6 BR$2,050Not available
7 BR$2,357Not available
8 BR$2,711Not available

Purchase Price Calculator

Maximum purchase price
$65,879

Cost breakdown

+Likely effective rent$860
HUD FMR$1,140
Market rentUsed$860
Est. payment standard (90%)$1,030
-Principal and interest-$333
Loan amount$52,703
Down payment$13,176
Rate6.50%
Term30 years
-Operating costs-$327
Property taxes-$66
Insurance-$175
Utilities$0
HOA$0
Management-$86
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$14,154(107.4% ROI)
Projected value
$70,945
Return breakdown
Property appreciation+$5,065
Loan principal paid down+$1,888
Rental cash flow+$7,200
5-year hold
+$24,024(182.3% ROI)
Projected value
$74,536
Return breakdown
Property appreciation+$8,657
Loan principal paid down+$3,367
Rental cash flow+$12,000
10-year hold
+$50,475(383.1% ROI)
Projected value
$84,331
Return breakdown
Property appreciation+$18,452
Loan principal paid down+$8,023
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.01
1 BR
1.14
2 BR
1.33
3 BR
1.38
4 BR
1.22
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 43610 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 43610 (Toledo, OH) is $1,140 a month. That is up 12.9% from $1,010 in FY 2026. Toledo 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, 43610 is tied for the 18th-highest two-bedroom rent (county range $1,000–$1,580). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 43610 is 9% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 43610
BedroomsFY 2027Change90–110% range
Studio$820+13.9%$738–$902
1BR$870+13.0%$783–$957
2BR$1,140+12.9%$1,026–$1,254
3BR$1,460+12.3%$1,314–$1,606
4BR$1,550+14.0%$1,395–$1,705

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 43610
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$820$870$1,140$1,460$1,550
FY 2026$720$770$1,010$1,300$1,360
FY 2025$690$750$980$1,270$1,340
FY 2024$620$680$890$1,180$1,240
FY 2023$590$650$840$1,130$1,210

Two-bedroom rent in nearby Lucas County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 43610
43604$1,000−12.3%
43605$1,160+1.8%
43606$1,170+2.6%
43607$1,080−5.3%
43608$1,040−8.8%
43609$1,150+0.9%
43610Current$1,140—
43611$1,100−3.5%
43612$1,210+6.1%
43613$1,120−1.8%
43614$1,070−6.1%
43615$1,300+14.0%

Questions about ZIP 43610 rents

How much will Section 8 pay for a two-bedroom in ZIP 43610?

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 $1,140 it would be $1,026 to $1,254. 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 43610 in?

ZIP 43610 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 43610 for FY 2027?

The two-bedroom FMR rose 12.9%, from $1,010 in FY 2026 to $1,140 in FY 2027. Since FY 2023 it has risen 35.7%.

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