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Clermont County/Batavia/45103

45103

ZIPSAFMR
Clermont County, OH
Zillow

ZIP Investment Score

104Above average

095130300
BRFMR
Eff. Rent
0 BR$1,020$1,120
1 BR$1,100$1,180
2 BR$1,400$1,500
3 BR$1,840$1,910
4 BR$2,080$2,270
5 BR$2,392Not available
6 BR$2,751Not available
7 BR$3,163Not available
8 BR$3,638Not available

Purchase Price Calculator

Maximum purchase price
$160,983

Cost breakdown

+Likely effective rent$1,500
HUD FMR$1,400
Market rent$1,550
Est. payment standard (107%)Used$1,500
-Principal and interest-$814
Loan amount$128,786
Down payment$32,197
Rate6.50%
Term30 years
-Operating costs-$486
Property taxes-$161
Insurance-$175
Utilities$0
HOA$0
Management-$150
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,192(75.1% ROI)
Projected value
$173,361
Return breakdown
Property appreciation+$12,378
Loan principal paid down+$4,614
Rental cash flow+$7,200
5-year hold
+$41,383(128.5% ROI)
Projected value
$182,137
Return breakdown
Property appreciation+$21,154
Loan principal paid down+$8,228
Rental cash flow+$12,000
10-year hold
+$88,695(275.5% ROI)
Projected value
$206,072
Return breakdown
Property appreciation+$45,089
Loan principal paid down+$19,606
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.82
1 BR
0.89
2 BR
0.90
3 BR
0.95
4 BR
0.88
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 45103 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 45103 (Batavia, OH) is $1,400 a month. That is up 5.3% from $1,330 in FY 2026. Batavia 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, 45103 has the 10th-highest two-bedroom rent (county range $1,010–$1,980). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 45103 is 34% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 45103
BedroomsFY 2027Change90–110% range
Studio$1,020+8.5%$918–$1,122
1BR$1,100+6.8%$990–$1,210
2BR$1,400+5.3%$1,260–$1,540
3BR$1,840+5.1%$1,656–$2,024
4BR$2,080+7.2%$1,872–$2,288

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 45103
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,020$1,100$1,400$1,840$2,080
FY 2026$940$1,030$1,330$1,750$1,940
FY 2025$870$980$1,270$1,680$1,860
FY 2024$810$920$1,200$1,600$1,770
FY 2023$740$840$1,100$1,470$1,660

Two-bedroom rent in nearby Clermont County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 45103
45102$1,280−8.6%
45103Current$1,400—
45106$1,020−27.1%
45107$1,120−20.0%
45112$1,010−27.9%
45118$1,370−2.1%
45120$1,010−27.9%
45121$1,010−27.9%
45122$1,580+12.9%
45130$1,060−24.3%
45140$1,840+31.4%
45147$1,980+41.4%

Questions about ZIP 45103 rents

How much will Section 8 pay for a two-bedroom in ZIP 45103?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,400, that basic range is $1,260 to $1,540 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 45103 in?

ZIP 45103 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 45103 for FY 2027?

The two-bedroom FMR rose 5.3%, from $1,330 in FY 2026 to $1,400 in FY 2027. Since FY 2023 it has risen 27.3%.

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