FY2027 Small Area FMR · Erlanger, KY

ZIP 41018 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 41018 (Erlanger, KY) is $1,380 a month, up 3.0% from FY2026. That is 4% below the Cincinnati, OH-KY-IN area-wide FMR of $1,442.

2-bedroom SAFMR$1,380per month ▲ 3.0%

Area-wide 2 BR FMR$1,442Cincinnati, OH-KY-IN

Rank in the area91stof 184 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,242

2 BR Small Area FMR$1,380

110% of SAFMR$1,518

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$1,010▲ 6.3%

1 BR$1,080▲ 3.8%

2 BR$1,380▲ 3.0%

3 BR$1,820▲ 2.8%

4 BR$2,050▲ 4.6%

FY2027 FY2026

Where 41018 sits in the Cincinnati, OH-KY-IN area

Of the 184 ZIP codes HUD lists for the area, 41018 has the 91st highest two-bedroom Small Area FMR. Cincinnati, OH-KY-IN is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2023), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,242 and $1,518 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,010	$909 – $1,111	$1,052	$950
1 bedroom	$1,080	$972 – $1,188	$1,128	$1,040
2 bedrooms	$1,380	$1,242 – $1,518	$1,442	$1,340
3 bedrooms	$1,820	$1,638 – $2,002	$1,897	$1,770
4 bedrooms	$2,050	$1,845 – $2,255	$2,141	$1,960

A household renting a two-bedroom home at the Small Area FMR of $1,380 needs about $55,200 a year to keep housing costs at 30% of income. The area median family income is $109,900 and the 80% low-income limit for four people is $87,900. ZIP code 41018 lies mainly in Kenton County and Boone County. See the Cincinnati, OH-KY-IN metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
41017	Ft Mitchell	2.4 mi	$1,320
41042	Florence	2.8 mi	$1,730
41011	Covington	5.2 mi	$1,530
41016	Covington	5.9 mi	$1,300
41051	Independence	6.2 mi	$1,650
45051	Mount Saint Joseph	6.2 mi	$1,270

Questions

What is the Fair Market Rent for ZIP code 41018?

HUD's FY2027 Small Area Fair Market Rents for 41018 are $1,010 (studio), $1,080 (1 BR), $1,380 (2 BR), $1,820 (3 BR) and $2,050 (4 BR) a month.

What is the Section 8 payment standard in 41018?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 41018 that range is $1,242 to $1,518 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 41018?

The FY2026 income limits of the Cincinnati, OH-KY-IN area apply: median family income $109,900, low-income (80%) limit $87,900 for a family of four.