45475
ZIPSAFMR
Montgomery County, OH
BRFMR
Eff. Rent
0 BR$910$720
1 BR$990$760
2 BR$1,250$920
3 BR$1,620$1,120
4 BR$1,780$1,230
5 BR$2,047
6 BR$2,354
7 BR$2,707
8 BR$3,113

Purchase Price Calculator

Maximum purchase price
$74,795

Cost breakdown

+Likely effective rent$920
HUD FMR$1,250
Market rentUsed$920
Est. payment standard (90%)$1,130
Market rent is below the inferred standard ($1,130, 90% of FMR).
-Principal and interest-$378
Loan amount$59,836
Down payment$14,959
Rate6.50%
Term30 years
-Operating costs-$342
Property taxes-$75
Insurance-$175
Utilities$0
HOA$0
Management-$92
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,095(100.9% ROI)
Projected value
$80,546
Current value$74,795
Return breakdown
Property appreciation+$5,751
Loan principal paid down+$2,144
Rental cash flow+$7,200
5-year hold
+$25,652(171.5% ROI)
Projected value
$84,624
Current value$74,795
Return breakdown
Property appreciation+$9,829
Loan principal paid down+$3,823
Rental cash flow+$12,000
10-year hold
+$54,058(361.4% ROI)
Projected value
$95,744
Current value$74,795
Return breakdown
Property appreciation+$20,949
Loan principal paid down+$9,109
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
1.26ratio
FMR$910
Market$720
vs market+$190

FMR is above market; underwrite to market rent.

90% standard$819 / 1.14 ratio110% standard$1,001 / 1.39 ratio
1.26
1 BR
1 BR
1.30ratio
FMR$990
Market$760
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$891 / 1.17 ratio110% standard$1,089 / 1.43 ratio
1.30
2 BR
2 BR
1.36ratio
FMR$1,250
Market$920
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$1,125 / 1.22 ratio110% standard$1,375 / 1.49 ratio
1.36
3 BR
3 BR
1.45ratio
FMR$1,620
Market$1,120
vs market+$500

FMR is above market; underwrite to market rent.

90% standard$1,458 / 1.30 ratio110% standard$1,782 / 1.59 ratio
1.45
4 BR
4 BR
1.45ratio
FMR$1,780
Market$1,230
vs market+$550

FMR is above market; underwrite to market rent.

90% standard$1,602 / 1.30 ratio110% standard$1,958 / 1.59 ratio
1.45
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 45475 (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.

45475 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 45475 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,250 and the 4 bedroom fair market rent is $1,780.

Use this page for searches like 45475 FMR, 45475 fair market rent, and 45475 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 45475
Bedroom sizeHUD FMR
Studio$910
1 bedroom$990
2 bedroom$1,250
3 bedroom$1,620
4 bedroom$1,780