45220
ZIPSAFMR
Hamilton County, OH
BRFMR
Eff. Rent
0 BR$980$940
1 BR$1,080$1,110
2 BR$1,390$1,420
3 BR$1,830$1,880
4 BR$2,030$2,230
5 BR$2,335
6 BR$2,685
7 BR$3,087
8 BR$3,550

Purchase Price Calculator

Maximum purchase price
$149,095

Cost breakdown

+Likely effective rent$1,420
HUD FMR$1,390
Market rent$1,430
Est. payment standard (102%)Used$1,420
Estimated payment standard is $1,420 (102% of FMR).
-Principal and interest-$754
Loan amount$119,276
Down payment$29,819
Rate6.50%
Term30 years
-Operating costs-$466
Property taxes-$149
Insurance-$175
Utilities$0
HOA$0
Management-$142
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,937(76.9% ROI)
Projected value
$160,559
Current value$149,095
Return breakdown
Property appreciation+$11,464
Loan principal paid down+$4,273
Rental cash flow+$7,200
5-year hold
+$39,213(131.5% ROI)
Projected value
$168,687
Current value$149,095
Return breakdown
Property appreciation+$19,592
Loan principal paid down+$7,621
Rental cash flow+$12,000
10-year hold
+$83,918(281.4% ROI)
Projected value
$190,854
Current value$149,095
Return breakdown
Property appreciation+$41,759
Loan principal paid down+$18,158
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
1.04ratio
FMR$980
Market$940
vs market+$40

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

90% standard$882 / 0.94 ratio110% standard$1,078 / 1.15 ratio
1.04
1 BR
1 BR
0.96ratio
FMR$1,080
Market$1,130
vs market-$50

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

90% standard$972 / 0.86 ratio110% standard$1,188 / 1.05 ratio
0.96
2 BR
2 BR
0.97ratio
FMR$1,390
Market$1,430
vs market-$40

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

90% standard$1,251 / 0.87 ratio110% standard$1,529 / 1.07 ratio
0.97
3 BR
3 BR
0.96ratio
FMR$1,830
Market$1,900
vs market-$70

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

90% standard$1,647 / 0.87 ratio110% standard$2,013 / 1.06 ratio
0.96
4 BR
4 BR
0.84ratio
FMR$2,030
Market$2,420
vs market-$390

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

90% standard$1,827 / 0.75 ratio110% standard$2,233 / 0.92 ratio
0.84
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

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 45220 (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.

45220 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 45220 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,390 and the 4 bedroom fair market rent is $2,030.

Use this page for searches like 45220 FMR, 45220 fair market rent, and 45220 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 45220
Bedroom sizeHUD FMR
Studio$980
1 bedroom$1,080
2 bedroom$1,390
3 bedroom$1,830
4 bedroom$2,030