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Wood County/Toledo/43654

43654

ZIPFMR
Wood County, OH
Zillow
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$822$890
1 BR$875$920
2 BR$1,145$1,260
3 BR$1,461$1,130
4 BR$1,558$1,290
5 BR$1,792Not available
6 BR$2,060Not available
7 BR$2,370Not available
8 BR$2,725Not available

Purchase Price Calculator

Maximum purchase price
$125,319

Cost breakdown

+Likely effective rent$1,260
HUD FMR$1,145
Market rent$1,890
Est. payment standard (110%)Used$1,260
-Principal and interest-$634
Loan amount$100,255
Down payment$25,064
Rate6.50%
Term30 years
-Operating costs-$426
Property taxes-$125
Insurance-$175
Utilities$0
HOA$0
Management-$126
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,428(81.5% ROI)
Projected value
$134,955
Return breakdown
Property appreciation+$9,636
Loan principal paid down+$3,592
Rental cash flow+$7,200
5-year hold
+$34,873(139.1% ROI)
Projected value
$141,787
Return breakdown
Property appreciation+$16,468
Loan principal paid down+$6,405
Rental cash flow+$12,000
10-year hold
+$74,363(296.7% ROI)
Projected value
$160,419
Return breakdown
Property appreciation+$35,100
Loan principal paid down+$15,263
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.89
1 BR
0.93
2 BR
0.61
3 BR
1.29
4 BR
1.21
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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ZIP 43654 fair market rent, FY 2027

For FY 2027, HUD's Fair Market Rent for a two-bedroom unit in ZIP 43654 (Toledo, OH) is $1,145 a month. That is up 6.4% from $1,076 in FY 2026. Toledo is in the Toledo, OH MSA. The median county two-bedroom FMR in Ohio is $1,048, so ZIP 43654 is 9% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 43654
BedroomsFY 2027Change90–110% range
Studio$822+6.9%$740–$904
1BR$875+6.7%$788–$963
2BR$1,145+6.4%$1,031–$1,260
3BR$1,461+5.9%$1,315–$1,607
4BR$1,558+7.2%$1,402–$1,714

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 43654
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$822$875$1,145$1,461$1,558
FY 2026$769$820$1,076$1,380$1,454
FY 2025$745$805$1,056$1,371$1,440
FY 2024$691$753$986$1,307$1,378
FY 2023$637$698$906$1,218$1,310

Questions about ZIP 43654 rents

How much will Section 8 pay for a two-bedroom in ZIP 43654?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,145, that basic range is $1,031 to $1,260 a month. 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 43654 in?

ZIP 43654 is in the Toledo, OH MSA. Small Area FMRs are not mandatory in this area.

How much did fair market rent change in ZIP 43654 for FY 2027?

The two-bedroom FMR rose 6.4%, from $1,076 in FY 2026 to $1,145 in FY 2027. Since FY 2023 it has risen 26.4%.

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 Fair Market Rents. 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