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Montgomery County/Dayton/45426

45426

ZIPSAFMR
Montgomery County, OH
Zillow

ZIP Investment Score

149High yield potential

095130300
BRFMR
Eff. Rent
0 BR$850$930
1 BR$940$890
2 BR$1,170$1,040
3 BR$1,520$1,470
4 BR$1,660$1,710
5 BR$1,909Not available
6 BR$2,195Not available
7 BR$2,525Not available
8 BR$2,903Not available

Purchase Price Calculator

Maximum purchase price
$92,627

Cost breakdown

+Likely effective rent$1,040
HUD FMR$1,170
Market rentUsed$1,040
Est. payment standard (93%)$1,090
-Principal and interest-$468
Loan amount$74,102
Down payment$18,525
Rate6.50%
Term30 years
-Operating costs-$372
Property taxes-$93
Insurance-$175
Utilities$0
HOA$0
Management-$104
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,977(91.6% ROI)
Projected value
$99,749
Return breakdown
Property appreciation+$7,122
Loan principal paid down+$2,655
Rental cash flow+$7,200
5-year hold
+$28,906(156.0% ROI)
Projected value
$104,799
Return breakdown
Property appreciation+$12,172
Loan principal paid down+$4,734
Rental cash flow+$12,000
10-year hold
+$61,225(330.5% ROI)
Projected value
$118,570
Return breakdown
Property appreciation+$25,943
Loan principal paid down+$11,281
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.87
1 BR
1.06
2 BR
1.13
3 BR
1.03
4 BR
0.95
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 45426 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 45426 (Dayton, OH) is $1,170 a month. That is down 0.8% from $1,180 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, 45426 has the 37th-highest two-bedroom rent (county range $1,000–$2,000). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 45426 is 12% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 45426
BedroomsFY 2027Change90–110% range
Studio$850−1.2%$765–$935
1BR$9400.0%$846–$1,034
2BR$1,170−0.8%$1,053–$1,287
3BR$1,520−0.7%$1,368–$1,672
4BR$1,660−1.2%$1,494–$1,826

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 45426
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$850$940$1,170$1,520$1,660
FY 2026$860$940$1,180$1,530$1,680
FY 2025$710$770$980$1,260$1,400
FY 2024$670$720$920$1,200$1,310
FY 2023$650$720$920$1,210$1,310

Two-bedroom rent in nearby Montgomery County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 45426
45419$1,200+2.6%
45420$1,250+6.8%
45422$1,230+5.1%
45423$1,230+5.1%
45424$1,370+17.1%
45426Current$1,170—
45428$1,150−1.7%
45429$1,280+9.4%
45430$1,720+47.0%
45431$1,570+34.2%
45432$1,070−8.5%
45433$1,740+48.7%

Questions about ZIP 45426 rents

How much will Section 8 pay for a two-bedroom in ZIP 45426?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,170, that basic range is $1,053 to $1,287 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 45426 in?

ZIP 45426 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 45426 for FY 2027?

The two-bedroom FMR fell 0.8%, from $1,180 in FY 2026 to $1,170 in FY 2027. Since FY 2023 it has risen 27.2%.

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