FMR is below market; voucher rent may lag private rents.
0.86
1 BR
1 BR
0.89ratio
FMR$910
Market$1,020
vs market-$110
FMR is below market; voucher rent may lag private rents.
0.89
2 BR
2 BR
0.96ratio
FMR$1,190
Market$1,240
vs market-$50
FMR is near market; voucher and private rents are aligned.
0.96
3 BR
3 BR
1.01ratio
FMR$1,550
Market$1,530
vs market+$20
FMR is near market; voucher and private rents are aligned.
1.01
4 BR
4 BR
1.05ratio
FMR$1,750
Market$1,670
vs market+$80
FMR is near market; voucher and private rents are aligned.
1.05
0.700.800.901.001.101.201.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--
ZIP 45839 fair market rent, FY 2027
For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 45839 (Findlay, OH) is $1,190 a month. That is up 5.3% from $1,130 in FY 2026. Findlay is in the Hancock County, OH non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,189. Among 25 ZIP codes in Hancock County, 45839 has the 8th-highest two-bedroom rent (county range $1,020–$1,450). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 45839 is 14% above it.
FY 2027 rent by bedroom
FY 2027 fair market rent by bedroom for 45839
Bedrooms
FY 2026
FY 2027
Change
90–110% range
Studio
$780
$830
+6.4%
$747–$913
1BR
$860
$910
+5.8%
$819–$1,001
2BR
$1,130
$1,190
+5.3%
$1,071–$1,309
3BR
$1,490
$1,550
+4.0%
$1,395–$1,705
4BR
$1,700
$1,750
+2.9%
$1,575–$1,925
Fair market rent history, FY 2023–2027
Fair market rent by fiscal year for 45839
Fiscal year
Studio
1BR
2BR
3BR
4BR
FY 2027
$830
$910
$1,190
$1,550
$1,750
FY 2026
$780
$860
$1,130
$1,490
$1,700
FY 2025
$690
$760
$1,000
$1,300
$1,530
FY 2024area FMR
$650
$740
$959
$1,242
$1,534
FY 2023area FMR
$605
$709
$905
$1,170
$1,477
Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.
Two-bedroom rent in nearby Hancock County ZIP codes
How much will Section 8 pay for a two-bedroom in ZIP 45839?
Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,189, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,070 to $1,308 a month; under the ZIP-level Small Area FMR of $1,190 it would be $1,071 to $1,309. 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 45839 in?
ZIP 45839 is in the Hancock County, OH non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,189.
How much did fair market rent change in ZIP 45839 for FY 2027?
The two-bedroom FMR rose 5.3%, from $1,130 in FY 2026 to $1,190 in FY 2027. Since FY 2025 it has risen 19.0%.
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