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Hamilton County/Addyston/45001

45001

ZIPSAFMR
Hamilton County, OH
Zillow

ZIP Investment Score

175High yield potential

095130300
BRFMR
Eff. Rent
0 BR$790$870
1 BR$850$940
2 BR$1,090$1,200
3 BR$1,430$1,570
4 BR$1,620$1,780
5 BR$1,863Not available
6 BR$2,142Not available
7 BR$2,464Not available
8 BR$2,833Not available

Purchase Price Calculator

Maximum purchase price
$116,403

Cost breakdown

+Likely effective rent$1,200
HUD FMR$1,090
Market rent$1,550
Est. payment standard (110%)Used$1,200
-Principal and interest-$589
Loan amount$93,122
Down payment$23,281
Rate6.50%
Term30 years
-Operating costs-$411
Property taxes-$116
Insurance-$175
Utilities$0
HOA$0
Management-$120
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,487(83.7% ROI)
Projected value
$125,353
Return breakdown
Property appreciation+$8,950
Loan principal paid down+$3,336
Rental cash flow+$7,200
5-year hold
+$33,246(142.8% ROI)
Projected value
$131,699
Return breakdown
Property appreciation+$15,296
Loan principal paid down+$5,950
Rental cash flow+$12,000
10-year hold
+$70,780(304.0% ROI)
Projected value
$149,006
Return breakdown
Property appreciation+$32,603
Loan principal paid down+$14,177
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.68
1 BR
0.82
2 BR
0.70
3 BR
0.76
4 BR
0.64
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 45001 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 45001 (Addyston, OH) is $1,090 a month. That is up 4.8% from $1,040 in FY 2026. Addyston is in the Cincinnati, OH-KY-IN HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 68 ZIP codes in Hamilton County, 45001 has the 67th-highest two-bedroom rent (county range $1,040–$2,160). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 45001 is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 45001
BedroomsFY 2027Change90–110% range
Studio$790+6.8%$711–$869
1BR$850+4.9%$765–$935
2BR$1,090+4.8%$981–$1,199
3BR$1,430+4.4%$1,287–$1,573
4BR$1,620+6.6%$1,458–$1,782

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 45001
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$790$850$1,090$1,430$1,620
FY 2026$740$810$1,040$1,370$1,520
FY 2025$730$830$1,080$1,430$1,590
FY 2024$680$770$1,000$1,330$1,490
FY 2023$620$710$930$1,250$1,400

Two-bedroom rent in nearby Hamilton County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 45001
45001Current$1,090—
45002$1,430+31.2%
45013$1,330+22.0%
45030$1,470+34.9%
45033$1,430+31.2%
45041$1,430+31.2%
45051$1,270+16.5%
45052$1,470+34.9%
45069$1,990+82.6%
45111$2,160+98.2%
45140$1,840+68.8%
45150$1,390+27.5%

Questions about ZIP 45001 rents

How much will Section 8 pay for a two-bedroom in ZIP 45001?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,090, that basic range is $981 to $1,199 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 45001 in?

ZIP 45001 is in the Cincinnati, OH-KY-IN HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 45001 for FY 2027?

The two-bedroom FMR rose 4.8%, from $1,040 in FY 2026 to $1,090 in FY 2027. Since FY 2023 it has risen 17.2%.

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 rentAddyston, OH fair market rentOH statewide rentsWhat is SAFMR?Data sources