45354
ZIPSAFMR
Montgomery County, OH
BRFMR
Eff. Rent
0 BR$1,060$1,170
1 BR$1,150$1,210
2 BR$1,460$1,380
3 BR$1,890$1,700
4 BR$2,080$1,820
5 BR$2,392
6 BR$2,751
7 BR$3,163
8 BR$3,638

Purchase Price Calculator

Maximum purchase price
$143,151

Cost breakdown

+Likely effective rent$1,380
HUD FMR$1,460
Market rentUsed$1,380
Est. payment standard (96%)$1,410
Market rent is below the inferred standard ($1,410, 96% of FMR).
-Principal and interest-$724
Loan amount$114,521
Down payment$28,630
Rate6.50%
Term30 years
-Operating costs-$456
Property taxes-$143
Insurance-$175
Utilities$0
HOA$0
Management-$138
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,310(77.9% ROI)
Projected value
$154,158
Current value$143,151
Return breakdown
Property appreciation+$11,007
Loan principal paid down+$4,103
Rental cash flow+$7,200
5-year hold
+$38,128(133.2% ROI)
Projected value
$161,962
Current value$143,151
Return breakdown
Property appreciation+$18,811
Loan principal paid down+$7,317
Rental cash flow+$12,000
10-year hold
+$81,529(284.8% ROI)
Projected value
$183,245
Current value$143,151
Return breakdown
Property appreciation+$40,094
Loan principal paid down+$17,434
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
0.68ratio
FMR$1,060
Market$1,550
vs market-$490

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

90% standard$954 / 0.62 ratio110% standard$1,166 / 0.75 ratio
0.68
1 BR
1 BR
0.92ratio
FMR$1,150
Market$1,250
vs market-$100

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

90% standard$1,035 / 0.83 ratio110% standard$1,265 / 1.01 ratio
0.92
2 BR
2 BR
1.06ratio
FMR$1,460
Market$1,380
vs market+$80

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

90% standard$1,314 / 0.95 ratio110% standard$1,606 / 1.16 ratio
1.06
3 BR
3 BR
1.11ratio
FMR$1,890
Market$1,700
vs market+$190

FMR is above market; underwrite to market rent.

90% standard$1,701 / 1.00 ratio110% standard$2,079 / 1.22 ratio
1.11
4 BR
4 BR
1.14ratio
FMR$2,080
Market$1,820
vs market+$260

FMR is above market; underwrite to market rent.

90% standard$1,872 / 1.03 ratio110% standard$2,288 / 1.26 ratio
1.14
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 45354 (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.

45354 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 45354 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,460 and the 4 bedroom fair market rent is $2,080.

Use this page for searches like 45354 FMR, 45354 fair market rent, and 45354 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 45354
Bedroom sizeHUD FMR
Studio$1,060
1 bedroom$1,150
2 bedroom$1,460
3 bedroom$1,890
4 bedroom$2,080