Belmont County/Bellaire/43906

43906

ZIPSAFMR

Belmont County, OH

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ZIP Investment Score

92Below average

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$700	$770	6.5%
1 BR	$820	$820	5.9%
2 BR	$1,000	$890	5.2%
3 BR	$1,290	$950	4.8%
4 BR	$1,430	$980	3.8%
5 BR	$1,644	Not available	3.8%
6 BR	$1,891	Not available	3.8%
7 BR	$2,175	Not available	3.8%
8 BR	$2,501	Not available	3.8%

Purchase Price Calculator

Maximum purchase price

$70,337

Cost breakdown

+Likely effective rent$890

HUD FMR$1,000

Market rentUsed$890

Est. payment standard (93%)$930

-Principal and interest-$356

Loan amount$56,270

Down payment$14,067

Rate6.50%

Term30 years

-Operating costs-$334

Property taxes-$70

Insurance-$175

Utilities$0

HOA$0

Management-$89

=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

+$14,624(104.0% ROI)

Projected value

$75,745

Return breakdown

Property appreciation+$5,408

Loan principal paid down+$2,016

Rental cash flow+$7,200

5-year hold

+$24,838(176.6% ROI)

Projected value

$79,580

Return breakdown

Property appreciation+$9,243

Loan principal paid down+$3,595

Rental cash flow+$12,000

10-year hold

+$52,267(371.5% ROI)

Projected value

$90,037

Return breakdown

Property appreciation+$19,700

Loan principal paid down+$8,566

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.86ratio

FMR$700

Market$810

vs market-$110

FMR is below market; voucher rent may lag private rents.

0.86

1 BR

1.00ratio

FMR$820

Market$820

vs market+$0

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

1.00

2 BR

1.12ratio

FMR$1,000

Market$890

vs market+$110

FMR is above market; underwrite to market rent.

1.12

3 BR

1.36ratio

FMR$1,290

Market$950

vs market+$340

FMR is above market; underwrite to market rent.

1.36

4 BR

1.46ratio

FMR$1,430

Market$980

vs market+$450

FMR is above market; underwrite to market rent.

1.46

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 43906 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 43906 (Bellaire, OH) is $1,000 a month. That is up 3.1% from $970 in FY 2026. Bellaire is in the Wheeling, WV-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 $1,009. Among 34 ZIP codes in Belmont County, 43906 is tied for the 20th-highest two-bedroom rent (county range $1,000–$1,330). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 43906 is 5% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 43906
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$670	$700	+4.5%	$630–$770
1BR	$800	$820	+2.5%	$738–$902
2BR	$970	$1,000	+3.1%	$900–$1,100
3BR	$1,250	$1,290	+3.2%	$1,161–$1,419
4BR	$1,390	$1,430	+2.9%	$1,287–$1,573

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 43906
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$700	$820	$1,000	$1,290	$1,430
FY 2026	$670	$800	$970	$1,250	$1,390
FY 2025	$610	$730	$890	$1,150	$1,290
FY 2024	$580	$690	$860	$1,120	$1,280
FY 2023	$540	$620	$790	$1,040	$1,190

Two-bedroom rent in nearby Belmont County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 43906
43901	$1,180	+18.0%
43902	$1,130	+13.0%
43905	$1,070	+7.0%
43906Current	$1,000	—
43909	$1,010	+1.0%
43912	$1,000	0.0%
43916	$1,000	0.0%
43917	$1,010	+1.0%
43927	$1,000	0.0%
43928	$1,160	+16.0%
43933	$1,100	+10.0%
43934	$1,000	0.0%

Questions about ZIP 43906 rents

How much will Section 8 pay for a two-bedroom in ZIP 43906?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,009, which applies unless the housing authority uses Small Area FMRs, that basic range is $908 to $1,110 a month; under the ZIP-level Small Area FMR of $1,000 it would be $900 to $1,100. 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 43906 in?

ZIP 43906 is in the Wheeling, WV-OH MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,009.

How much did fair market rent change in ZIP 43906 for FY 2027?

The two-bedroom FMR rose 3.1%, from $970 in FY 2026 to $1,000 in FY 2027. Since FY 2023 it has risen 26.6%.

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