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Clermont County/Moscow/45153

45153

ZIPSAFMR
Clermont County, OH
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$1,280$1,280
1 BR$1,380$1,380
2 BR$1,760$1,760
3 BR$2,320$2,320
4 BR$2,610$2,610
5 BR$3,001Not available
6 BR$3,452Not available
7 BR$3,969Not available
8 BR$4,565Not available

Purchase Price Calculator

Maximum purchase price
$199,619

Cost breakdown

+Likely effective rent$1,760
HUD FMRUsed$1,760
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,009
Loan amount$159,695
Down payment$39,924
Rate6.50%
Term30 years
-Operating costs-$551
Property taxes-$200
Insurance-$175
Utilities$0
HOA$0
Management-$176
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,270(70.8% ROI)
Projected value
$214,968
Return breakdown
Property appreciation+$15,349
Loan principal paid down+$5,721
Rental cash flow+$7,200
5-year hold
+$48,434(121.3% ROI)
Projected value
$225,850
Return breakdown
Property appreciation+$26,232
Loan principal paid down+$10,203
Rental cash flow+$12,000
10-year hold
+$104,222(261.1% ROI)
Projected value
$255,529
Return breakdown
Property appreciation+$55,910
Loan principal paid down+$24,312
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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ZIP 45153 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 45153 (Moscow, OH) is $1,760 a month. That is up 4.8% from $1,680 in FY 2026. Moscow 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, 45153 has the 3rd-highest two-bedroom rent (county range $1,010–$1,980). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 45153 is 68% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 45153
BedroomsFY 2027Change90–110% range
Studio$1,280+7.6%$1,152–$1,408
1BR$1,380+5.3%$1,242–$1,518
2BR$1,760+4.8%$1,584–$1,936
3BR$2,320+4.5%$2,088–$2,552
4BR$2,610+6.5%$2,349–$2,871

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 45153
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,280$1,380$1,760$2,320$2,610
FY 2026$1,190$1,310$1,680$2,220$2,450
FY 2025$730$830$1,080$1,430$1,590
FY 2024$680$780$1,010$1,330$1,490
FY 2023$640$720$950$1,260$1,420

Two-bedroom rent in nearby Clermont County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 45153
45122$1,580−10.2%
45130$1,060−39.8%
45140$1,840+4.5%
45147$1,980+12.5%
45150$1,390−21.0%
45153Current$1,760—
45156$1,510−14.2%
45157$1,180−33.0%
45158$1,170−33.5%
45160$1,010−42.6%
45162$1,730−1.7%
45176$1,160−34.1%

Questions about ZIP 45153 rents

How much will Section 8 pay for a two-bedroom in ZIP 45153?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,760, that basic range is $1,584 to $1,936 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 45153 in?

ZIP 45153 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 45153 for FY 2027?

The two-bedroom FMR rose 4.8%, from $1,680 in FY 2026 to $1,760 in FY 2027. Since FY 2023 it has risen 85.3%.

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