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Clermont County/Amelia/45102

45102

ZIPSAFMR
Clermont County, OH
Zillow

ZIP Investment Score

104Above average

095130300
BRFMR
Eff. Rent
0 BR$930$1,020
1 BR$1,000$1,100
2 BR$1,280$1,410
3 BR$1,680$1,850
4 BR$1,900$2,090
5 BR$2,185Not available
6 BR$2,513Not available
7 BR$2,890Not available
8 BR$3,323Not available

Purchase Price Calculator

Maximum purchase price
$147,609

Cost breakdown

+Likely effective rent$1,410
HUD FMR$1,280
Market rent$1,520
Est. payment standard (110%)Used$1,410
-Principal and interest-$746
Loan amount$118,087
Down payment$29,522
Rate6.50%
Term30 years
-Operating costs-$464
Property taxes-$148
Insurance-$175
Utilities$0
HOA$0
Management-$141
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,781(77.2% ROI)
Projected value
$158,959
Return breakdown
Property appreciation+$11,350
Loan principal paid down+$4,231
Rental cash flow+$7,200
5-year hold
+$38,942(131.9% ROI)
Projected value
$167,006
Return breakdown
Property appreciation+$19,397
Loan principal paid down+$7,545
Rental cash flow+$12,000
10-year hold
+$83,320(282.2% ROI)
Projected value
$188,952
Return breakdown
Property appreciation+$41,343
Loan principal paid down+$17,977
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.87
1 BR
0.81
2 BR
0.84
3 BR
0.84
4 BR
0.82
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 45102 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 45102 (Amelia, OH) is $1,280 a month. That is up 7.6% from $1,190 in FY 2026. Amelia 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 23 ZIP codes in Clermont County, 45102 has the 13th-highest two-bedroom rent (county range $1,010–$1,980). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 45102 is 22% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 45102
BedroomsFY 2027Change90–110% range
Studio$930+10.7%$837–$1,023
1BR$1,000+8.7%$900–$1,100
2BR$1,280+7.6%$1,152–$1,408
3BR$1,680+7.0%$1,512–$1,848
4BR$1,900+9.2%$1,710–$2,090

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 45102
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$930$1,000$1,280$1,680$1,900
FY 2026$840$920$1,190$1,570$1,740
FY 2025$790$890$1,150$1,520$1,680
FY 2024$760$860$1,120$1,490$1,660
FY 2023$710$810$1,060$1,420$1,600

Two-bedroom rent in nearby Clermont County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 45102
45102Current$1,280—
45103$1,400+9.4%
45106$1,020−20.3%
45107$1,120−12.5%
45112$1,010−21.1%
45118$1,370+7.0%
45120$1,010−21.1%
45121$1,010−21.1%
45122$1,580+23.4%
45130$1,060−17.2%
45140$1,840+43.8%
45147$1,980+54.7%

Questions about ZIP 45102 rents

How much will Section 8 pay for a two-bedroom in ZIP 45102?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,280, that basic range is $1,152 to $1,408 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 45102 in?

ZIP 45102 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 45102 for FY 2027?

The two-bedroom FMR rose 7.6%, from $1,190 in FY 2026 to $1,280 in FY 2027. Since FY 2023 it has risen 20.8%.

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