44001
ZIPSAFMR
Lorain County, OH
BRFMR
Eff. Rent
0 BR$870$960
1 BR$980$1,080
2 BR$1,190$1,270
3 BR$1,530$1,640
4 BR$1,640$1,800
5 BR$1,886
6 BR$2,169
7 BR$2,494
8 BR$2,868

Purchase Price Calculator

Maximum purchase price
$126,805

Cost breakdown

+Likely effective rent$1,270
HUD FMR$1,190
Market rent$1,320
Est. payment standard (107%)Used$1,270
Estimated payment standard is $1,270 (107% of FMR).
-Principal and interest-$641
Loan amount$101,444
Down payment$25,361
Rate6.50%
Term30 years
-Operating costs-$429
Property taxes-$127
Insurance-$175
Utilities$0
HOA$0
Management-$127
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,585(81.2% ROI)
Projected value
$136,555
Current value$126,805
Return breakdown
Property appreciation+$9,750
Loan principal paid down+$3,634
Rental cash flow+$7,200
5-year hold
+$35,144(138.6% ROI)
Projected value
$143,468
Current value$126,805
Return breakdown
Property appreciation+$16,663
Loan principal paid down+$6,481
Rental cash flow+$12,000
10-year hold
+$74,960(295.6% ROI)
Projected value
$162,321
Current value$126,805
Return breakdown
Property appreciation+$35,516
Loan principal paid down+$15,444
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
0.79ratio
FMR$870
Market$1,100
vs market-$230

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

90% standard$783 / 0.71 ratio110% standard$957 / 0.87 ratio
0.79
1 BR
1 BR
0.85ratio
FMR$980
Market$1,150
vs market-$170

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

90% standard$882 / 0.77 ratio110% standard$1,078 / 0.94 ratio
0.85
2 BR
2 BR
0.90ratio
FMR$1,190
Market$1,320
vs market-$130

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

90% standard$1,071 / 0.81 ratio110% standard$1,309 / 0.99 ratio
0.90
3 BR
3 BR
0.90ratio
FMR$1,530
Market$1,700
vs market-$170

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

90% standard$1,377 / 0.81 ratio110% standard$1,683 / 0.99 ratio
0.90
4 BR
4 BR
0.81ratio
FMR$1,640
Market$2,030
vs market-$390

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

90% standard$1,476 / 0.73 ratio110% standard$1,804 / 0.89 ratio
0.81
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 44001 (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.

44001 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 44001 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,190 and the 4 bedroom fair market rent is $1,640.

Use this page for searches like 44001 FMR, 44001 fair market rent, and 44001 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 44001
Bedroom sizeHUD FMR
Studio$870
1 bedroom$980
2 bedroom$1,190
3 bedroom$1,530
4 bedroom$1,640