44039
ZIPSAFMR
Lorain County, OH
BRFMR
Eff. Rent
0 BR$960$710
1 BR$1,090$700
2 BR$1,320$1,280
3 BR$1,700$1,830
4 BR$1,820$2,000
5 BR$2,093
6 BR$2,407
7 BR$2,768
8 BR$3,183

Purchase Price Calculator

Maximum purchase price
$128,291

Cost breakdown

+Likely effective rent$1,280
HUD FMR$1,320
Market rentUsed$1,280
Est. payment standard (98%)$1,290
Market rent is below the inferred standard ($1,290, 98% of FMR).
-Principal and interest-$649
Loan amount$102,633
Down payment$25,658
Rate6.50%
Term30 years
-Operating costs-$431
Property taxes-$128
Insurance-$175
Utilities$0
HOA$0
Management-$128
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,741(80.8% ROI)
Projected value
$138,155
Current value$128,291
Return breakdown
Property appreciation+$9,864
Loan principal paid down+$3,677
Rental cash flow+$7,200
5-year hold
+$35,416(138.0% ROI)
Projected value
$145,149
Current value$128,291
Return breakdown
Property appreciation+$16,858
Loan principal paid down+$6,557
Rental cash flow+$12,000
10-year hold
+$75,557(294.5% ROI)
Projected value
$164,223
Current value$128,291
Return breakdown
Property appreciation+$35,932
Loan principal paid down+$15,625
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
1.35ratio
FMR$960
Market$710
vs market+$250

FMR is above market; underwrite to market rent.

90% standard$864 / 1.22 ratio110% standard$1,056 / 1.49 ratio
1.35
1 BR
1 BR
1.56ratio
FMR$1,090
Market$700
vs market+$390

FMR is above market; underwrite to market rent.

1.56
2 BR
2 BR
1.03ratio
FMR$1,320
Market$1,280
vs market+$40

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

90% standard$1,188 / 0.93 ratio110% standard$1,452 / 1.13 ratio
1.03
3 BR
3 BR
0.89ratio
FMR$1,700
Market$1,900
vs market-$200

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

90% standard$1,530 / 0.81 ratio110% standard$1,870 / 0.98 ratio
0.89
4 BR
4 BR
0.83ratio
FMR$1,820
Market$2,180
vs market-$360

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

90% standard$1,638 / 0.75 ratio110% standard$2,002 / 0.92 ratio
0.83
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 44039 (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.

44039 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 44039 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,320 and the 4 bedroom fair market rent is $1,820.

Use this page for searches like 44039 FMR, 44039 fair market rent, and 44039 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 44039
Bedroom sizeHUD FMR
Studio$960
1 bedroom$1,090
2 bedroom$1,320
3 bedroom$1,700
4 bedroom$1,820