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Montgomery County/Dayton/45419

45419

ZIPSAFMR
Montgomery County, OH
Zillow

ZIP Investment Score

94Below average

095130300
BRFMR
Eff. Rent
0 BR$870$770
1 BR$970$790
2 BR$1,200$1,270
3 BR$1,560$1,720
4 BR$1,710$1,880
5 BR$1,966Not available
6 BR$2,261Not available
7 BR$2,601Not available
8 BR$2,991Not available

Purchase Price Calculator

Maximum purchase price
$126,805

Cost breakdown

+Likely effective rent$1,270
HUD FMR$1,200
Market rent$1,300
Est. payment standard (105%)Used$1,270
-Principal and interest-$641
Loan amount$101,444
Down payment$25,361
Rate6.50%
Term30 years
-Operating costs-$429
Property taxes-$127
Insurance-$175
Utilities$0
HOA$0
Management-$127
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,585(81.2% ROI)
Projected value
$136,555
Return breakdown
Property appreciation+$9,750
Loan principal paid down+$3,634
Rental cash flow+$7,200
5-year hold
+$35,144(138.6% ROI)
Projected value
$143,468
Return breakdown
Property appreciation+$16,663
Loan principal paid down+$6,481
Rental cash flow+$12,000
10-year hold
+$74,960(295.6% ROI)
Projected value
$162,321
Return breakdown
Property appreciation+$35,516
Loan principal paid down+$15,444
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.13
1 BR
1.23
2 BR
0.92
3 BR
0.78
4 BR
0.70
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 45419 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 45419 (Dayton, OH) is $1,200 a month. That is down 0.8% from $1,210 in FY 2026. Dayton 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 54 ZIP codes in Montgomery County, 45419 is tied for the 35th-highest two-bedroom rent (county range $1,000–$2,000). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 45419 is 15% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 45419
BedroomsFY 2027Change90–110% range
Studio$870−1.1%$783–$957
1BR$970+1.0%$873–$1,067
2BR$1,200−0.8%$1,080–$1,320
3BR$1,560−0.6%$1,404–$1,716
4BR$1,710−1.2%$1,539–$1,881

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 45419
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$870$970$1,200$1,560$1,710
FY 2026$880$960$1,210$1,570$1,730
FY 2025$730$790$1,010$1,300$1,440
FY 2024$690$740$950$1,240$1,350
FY 2023$640$700$900$1,180$1,290

Two-bedroom rent in nearby Montgomery County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 45419
45410$1,230+2.5%
45413$1,230+2.5%
45414$1,110−7.5%
45415$1,150−4.2%
45416$1,420+18.3%
45417$1,150−4.2%
45419Current$1,200—
45420$1,250+4.2%
45422$1,230+2.5%
45423$1,230+2.5%
45424$1,370+14.2%
45426$1,170−2.5%

Questions about ZIP 45419 rents

How much will Section 8 pay for a two-bedroom in ZIP 45419?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,200, that basic range is $1,080 to $1,320 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 45419 in?

ZIP 45419 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 45419 for FY 2027?

The two-bedroom FMR fell 0.8%, from $1,210 in FY 2026 to $1,200 in FY 2027. Since FY 2023 it has risen 33.3%.

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