44095
ZIPSAFMR
Lake County, OH
BRFMR
Eff. Rent
0 BR$910$1,000
1 BR$1,030$1,110
2 BR$1,250$1,360
3 BR$1,610$1,690
4 BR$1,720$1,860
5 BR$1,978
6 BR$2,275
7 BR$2,616
8 BR$3,008

Purchase Price Calculator

Maximum purchase price
$140,179

Cost breakdown

+Likely effective rent$1,360
HUD FMR$1,250
Market rent$1,420
Est. payment standard (109%)Used$1,360
Estimated payment standard is $1,360 (109% of FMR).
-Principal and interest-$709
Loan amount$112,143
Down payment$28,036
Rate6.50%
Term30 years
-Operating costs-$451
Property taxes-$140
Insurance-$175
Utilities$0
HOA$0
Management-$136
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,996(78.5% ROI)
Projected value
$150,957
Current value$140,179
Return breakdown
Property appreciation+$10,778
Loan principal paid down+$4,018
Rental cash flow+$7,200
5-year hold
+$37,586(134.1% ROI)
Projected value
$158,600
Current value$140,179
Return breakdown
Property appreciation+$18,421
Loan principal paid down+$7,165
Rental cash flow+$12,000
10-year hold
+$80,334(286.5% ROI)
Projected value
$179,441
Current value$140,179
Return breakdown
Property appreciation+$39,262
Loan principal paid down+$17,073
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$910
Market$1,150
vs market-$240

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

90% standard$819 / 0.71 ratio110% standard$1,001 / 0.87 ratio
0.79
1 BR
1 BR
0.89ratio
FMR$1,030
Market$1,160
vs market-$130

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

90% standard$927 / 0.80 ratio110% standard$1,133 / 0.98 ratio
0.89
2 BR
2 BR
0.88ratio
FMR$1,250
Market$1,420
vs market-$170

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

90% standard$1,125 / 0.79 ratio110% standard$1,375 / 0.97 ratio
0.88
3 BR
3 BR
0.93ratio
FMR$1,610
Market$1,740
vs market-$130

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

90% standard$1,449 / 0.83 ratio110% standard$1,771 / 1.02 ratio
0.93
4 BR
4 BR
0.89ratio
FMR$1,720
Market$1,940
vs market-$220

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

90% standard$1,548 / 0.80 ratio110% standard$1,892 / 0.98 ratio
0.89
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 44095 (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.

44095 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 44095 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,250 and the 4 bedroom fair market rent is $1,720.

Use this page for searches like 44095 FMR, 44095 fair market rent, and 44095 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 44095
Bedroom sizeHUD FMR
Studio$910
1 bedroom$1,030
2 bedroom$1,250
3 bedroom$1,610
4 bedroom$1,720