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Miami County/Sidney/45365

45365

ZIPSAFMR
Miami County, OH
Zillow

ZIP Investment Score

108Above average

095130300
BRFMR
Eff. Rent
0 BR$790$870
1 BR$810$890
2 BR$1,060$1,170
3 BR$1,420$1,390
4 BR$1,460$1,480
5 BR$1,679Not available
6 BR$1,931Not available
7 BR$2,220Not available
8 BR$2,554Not available

Purchase Price Calculator

Maximum purchase price
$111,945

Cost breakdown

+Likely effective rent$1,170
HUD FMR$1,060
Market rent$1,280
Est. payment standard (110%)Used$1,170
-Principal and interest-$566
Loan amount$89,556
Down payment$22,389
Rate6.50%
Term30 years
-Operating costs-$404
Property taxes-$112
Insurance-$175
Utilities$0
HOA$0
Management-$117
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,016(84.9% ROI)
Projected value
$120,553
Return breakdown
Property appreciation+$8,608
Loan principal paid down+$3,209
Rental cash flow+$7,200
5-year hold
+$32,432(144.9% ROI)
Projected value
$126,656
Return breakdown
Property appreciation+$14,710
Loan principal paid down+$5,722
Rental cash flow+$12,000
10-year hold
+$68,988(308.1% ROI)
Projected value
$143,299
Return breakdown
Property appreciation+$31,354
Loan principal paid down+$13,634
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.74
1 BR
0.84
2 BR
0.83
3 BR
1.02
4 BR
0.98
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 45365 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 45365 (Sidney, OH) is $1,060 a month. That is up 3.9% from $1,020 in FY 2026. Sidney is in the Dayton-Kettering-Beavercreek, OH MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 19 ZIP codes in Miami County, 45365 is tied for the 16th-highest two-bedroom rent (county range $1,000–$1,740). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 45365 is 1% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 45365
BedroomsFY 2027Change90–110% range
Studio$790+11.3%$711–$869
1BR$810+3.8%$729–$891
2BR$1,060+3.9%$954–$1,166
3BR$1,420+3.6%$1,278–$1,562
4BR$1,460+2.1%$1,314–$1,606

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 45365
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$790$810$1,060$1,420$1,460
FY 2026$710$780$1,020$1,370$1,430
FY 2025$670$720$930$1,200$1,320
FY 2024$710$770$980$1,270$1,400
FY 2023$660$730$930$1,220$1,330

Two-bedroom rent in nearby Miami County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 45365
45326$1,210+14.2%
45337$1,410+33.0%
45339$1,100+3.8%
45344$1,090+2.8%
45356$1,160+9.4%
45359$1,000−5.7%
45361$1,740+64.2%
45365Current$1,060—
45371$1,360+28.3%
45373$1,170+10.4%
45374$1,190+12.3%
45383$1,110+4.7%

Questions about ZIP 45365 rents

How much will Section 8 pay for a two-bedroom in ZIP 45365?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,060, that basic range is $954 to $1,166 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 45365 in?

ZIP 45365 is in the Dayton-Kettering-Beavercreek, OH MSA. 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 45365 for FY 2027?

The two-bedroom FMR rose 3.9%, from $1,020 in FY 2026 to $1,060 in FY 2027. Since FY 2023 it has risen 14.0%.

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