45013
ZIPSAFMR
Butler County, OH
BRFMR
Eff. Rent
0 BR$890$930
1 BR$980$970
2 BR$1,260$1,110
3 BR$1,660$1,690
4 BR$1,840$1,990
5 BR$2,116
6 BR$2,433
7 BR$2,798
8 BR$3,218

Purchase Price Calculator

Maximum purchase price
$103,029

Cost breakdown

+Likely effective rent$1,110
HUD FMR$1,260
Market rentUsed$1,110
Est. payment standard (92%)$1,160
Market rent is below the inferred standard ($1,160, 92% of FMR).
-Principal and interest-$521
Loan amount$82,423
Down payment$20,606
Rate6.50%
Term30 years
-Operating costs-$389
Property taxes-$103
Insurance-$175
Utilities$0
HOA$0
Management-$111
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,075(87.7% ROI)
Projected value
$110,951
Current value$103,029
Return breakdown
Property appreciation+$7,922
Loan principal paid down+$2,953
Rental cash flow+$7,200
5-year hold
+$30,805(149.5% ROI)
Projected value
$116,568
Current value$103,029
Return breakdown
Property appreciation+$13,539
Loan principal paid down+$5,266
Rental cash flow+$12,000
10-year hold
+$65,405(317.4% ROI)
Projected value
$131,886
Current value$103,029
Return breakdown
Property appreciation+$28,857
Loan principal paid down+$12,548
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
0.94ratio
FMR$890
Market$950
vs market-$60

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

90% standard$801 / 0.84 ratio110% standard$979 / 1.03 ratio
0.94
1 BR
1 BR
1.01ratio
FMR$980
Market$970
vs market+$10

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

90% standard$882 / 0.91 ratio110% standard$1,078 / 1.11 ratio
1.01
2 BR
2 BR
1.14ratio
FMR$1,260
Market$1,110
vs market+$150

FMR is above market; underwrite to market rent.

90% standard$1,134 / 1.02 ratio110% standard$1,386 / 1.25 ratio
1.14
3 BR
3 BR
0.97ratio
FMR$1,660
Market$1,710
vs market-$50

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

90% standard$1,494 / 0.87 ratio110% standard$1,826 / 1.07 ratio
0.97
4 BR
4 BR
0.89ratio
FMR$1,840
Market$2,070
vs market-$230

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

90% standard$1,656 / 0.80 ratio110% standard$2,024 / 0.98 ratio
0.89
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 45013 (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.

45013 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 45013 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,260 and the 4 bedroom fair market rent is $1,840.

Use this page for searches like 45013 FMR, 45013 fair market rent, and 45013 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 45013
Bedroom sizeHUD FMR
Studio$890
1 bedroom$980
2 bedroom$1,260
3 bedroom$1,660
4 bedroom$1,840