45415
ZIPSAFMR
Montgomery County, OH
BRFMR
Eff. Rent
0 BR$870$750
1 BR$940$800
2 BR$1,190$880
3 BR$1,540$1,460
4 BR$1,700$1,770
5 BR$1,955
6 BR$2,248
7 BR$2,585
8 BR$2,973

Purchase Price Calculator

Maximum purchase price
$68,851

Cost breakdown

+Likely effective rent$880
HUD FMR$1,190
Market rentUsed$880
Est. payment standard (90%)$1,070
Market rent is below the inferred standard ($1,070, 90% of FMR).
-Principal and interest-$348
Loan amount$55,081
Down payment$13,770
Rate6.50%
Term30 years
-Operating costs-$332
Property taxes-$69
Insurance-$175
Utilities$0
HOA$0
Management-$88
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$14,467(105.1% ROI)
Projected value
$74,145
Current value$68,851
Return breakdown
Property appreciation+$5,294
Loan principal paid down+$1,973
Rental cash flow+$7,200
5-year hold
+$24,567(178.4% ROI)
Projected value
$77,899
Current value$68,851
Return breakdown
Property appreciation+$9,048
Loan principal paid down+$3,519
Rental cash flow+$12,000
10-year hold
+$51,670(375.2% ROI)
Projected value
$88,135
Current value$68,851
Return breakdown
Property appreciation+$19,284
Loan principal paid down+$8,385
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
1.16ratio
FMR$870
Market$750
vs market+$120

FMR is above market; underwrite to market rent.

90% standard$783 / 1.04 ratio110% standard$957 / 1.28 ratio
1.16
1 BR
1 BR
1.18ratio
FMR$940
Market$800
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$846 / 1.06 ratio110% standard$1,034 / 1.29 ratio
1.18
2 BR
2 BR
1.35ratio
FMR$1,190
Market$880
vs market+$310

FMR is above market; underwrite to market rent.

90% standard$1,071 / 1.22 ratio110% standard$1,309 / 1.49 ratio
1.35
3 BR
3 BR
1.05ratio
FMR$1,540
Market$1,460
vs market+$80

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

90% standard$1,386 / 0.95 ratio110% standard$1,694 / 1.16 ratio
1.05
4 BR
4 BR
0.94ratio
FMR$1,700
Market$1,810
vs market-$110

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

90% standard$1,530 / 0.85 ratio110% standard$1,870 / 1.03 ratio
0.94
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 45415 (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.

45415 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 45415 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,190 and the 4 bedroom fair market rent is $1,700.

Use this page for searches like 45415 FMR, 45415 fair market rent, and 45415 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 45415
Bedroom sizeHUD FMR
Studio$870
1 bedroom$940
2 bedroom$1,190
3 bedroom$1,540
4 bedroom$1,700