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Clermont County/Goshen/45122

45122

ZIPSAFMR
Clermont County, OH
Zillow

ZIP Investment Score

127Above average

095130300
BRFMR
Eff. Rent
0 BR$1,150$1,270
1 BR$1,240$1,360
2 BR$1,580$1,740
3 BR$2,080$2,090
4 BR$2,350$2,270
5 BR$2,703Not available
6 BR$3,108Not available
7 BR$3,574Not available
8 BR$4,110Not available

Purchase Price Calculator

Maximum purchase price
$196,647

Cost breakdown

+Likely effective rent$1,740
HUD FMR$1,580
Market rent$1,820
Est. payment standard (110%)Used$1,740
-Principal and interest-$994
Loan amount$157,317
Down payment$39,329
Rate6.50%
Term30 years
-Operating costs-$546
Property taxes-$197
Insurance-$175
Utilities$0
HOA$0
Management-$174
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,957(71.1% ROI)
Projected value
$211,767
Return breakdown
Property appreciation+$15,120
Loan principal paid down+$5,636
Rental cash flow+$7,200
5-year hold
+$47,892(121.8% ROI)
Projected value
$222,488
Return breakdown
Property appreciation+$25,841
Loan principal paid down+$10,051
Rental cash flow+$12,000
10-year hold
+$103,028(262.0% ROI)
Projected value
$251,725
Return breakdown
Property appreciation+$55,078
Loan principal paid down+$23,950
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.64
1 BR
0.75
2 BR
0.87
3 BR
1.00
4 BR
1.04
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 45122 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 45122 (Goshen, OH) is $1,580 a month. That is up 6.0% from $1,490 in FY 2026. Goshen 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, 45122 has the 6th-highest two-bedroom rent (county range $1,010–$1,980). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 45122 is 51% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 45122
BedroomsFY 2027Change90–110% range
Studio$1,150+8.5%$1,035–$1,265
1BR$1,240+6.9%$1,116–$1,364
2BR$1,580+6.0%$1,422–$1,738
3BR$2,080+5.6%$1,872–$2,288
4BR$2,350+7.8%$2,115–$2,585

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 45122
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,150$1,240$1,580$2,080$2,350
FY 2026$1,060$1,160$1,490$1,970$2,180
FY 2025$1,000$1,130$1,460$1,940$2,140
FY 2024$910$1,030$1,340$1,780$1,980
FY 2023$800$920$1,200$1,610$1,810

Two-bedroom rent in nearby Clermont County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 45122
45102$1,280−19.0%
45103$1,400−11.4%
45106$1,020−35.4%
45107$1,120−29.1%
45112$1,010−36.1%
45118$1,370−13.3%
45120$1,010−36.1%
45121$1,010−36.1%
45122Current$1,580—
45130$1,060−32.9%
45140$1,840+16.5%
45147$1,980+25.3%

Questions about ZIP 45122 rents

How much will Section 8 pay for a two-bedroom in ZIP 45122?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,580, that basic range is $1,422 to $1,738 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 45122 in?

ZIP 45122 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 45122 for FY 2027?

The two-bedroom FMR rose 6.0%, from $1,490 in FY 2026 to $1,580 in FY 2027. Since FY 2023 it has risen 31.7%.

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