45416
ZIPSAFMR
Montgomery County, OH
BRFMR
Eff. Rent
0 BR$1,080$750
1 BR$1,170$770
2 BR$1,480$900
3 BR$1,920$1,220
4 BR$2,110$1,310
5 BR$2,427
6 BR$2,790
7 BR$3,209
8 BR$3,690

Purchase Price Calculator

Maximum purchase price
$71,823

Cost breakdown

+Likely effective rent$900
HUD FMR$1,480
Market rentUsed$900
Est. payment standard (90%)$1,330
Market rent is below the inferred standard ($1,330, 90% of FMR).
-Principal and interest-$363
Loan amount$57,459
Down payment$14,365
Rate6.50%
Term30 years
-Operating costs-$337
Property taxes-$72
Insurance-$175
Utilities$0
HOA$0
Management-$90
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$14,781(102.9% ROI)
Projected value
$77,346
Current value$71,823
Return breakdown
Property appreciation+$5,523
Loan principal paid down+$2,059
Rental cash flow+$7,200
5-year hold
+$25,109(174.8% ROI)
Projected value
$81,261
Current value$71,823
Return breakdown
Property appreciation+$9,438
Loan principal paid down+$3,671
Rental cash flow+$12,000
10-year hold
+$52,864(368.0% ROI)
Projected value
$91,940
Current value$71,823
Return breakdown
Property appreciation+$20,117
Loan principal paid down+$8,747
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
1.44ratio
FMR$1,080
Market$750
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$972 / 1.30 ratio110% standard$1,188 / 1.58 ratio
1.44
1 BR
1 BR
1.52ratio
FMR$1,170
Market$770
vs market+$400

FMR is above market; underwrite to market rent.

90% standard$1,053 / 1.37 ratio110% standard$1,287 / 1.67 ratio
1.52
2 BR
2 BR
1.64ratio
FMR$1,480
Market$900
vs market+$580

FMR is above market; underwrite to market rent.

1.64
3 BR
3 BR
1.57ratio
FMR$1,920
Market$1,220
vs market+$700

FMR is above market; underwrite to market rent.

1.57
4 BR
4 BR
1.61ratio
FMR$2,110
Market$1,310
vs market+$800

FMR is above market; underwrite to market rent.

1.61
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 45416 (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.

45416 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 45416 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,480 and the 4 bedroom fair market rent is $2,110.

Use this page for searches like 45416 FMR, 45416 fair market rent, and 45416 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 45416
Bedroom sizeHUD FMR
Studio$1,080
1 bedroom$1,170
2 bedroom$1,480
3 bedroom$1,920
4 bedroom$2,110