FY2027 Small Area FMR · Urbana, OH
ZIP 43078 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 43078 (Urbana, OH) is $1,070 a month, up 2.9% from FY2026. That is 8% below the Springfield, OH area-wide FMR of $1,160.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 43078 sits in the Springfield, OH area
Of the 24 ZIP codes HUD lists for the area, 43078 has the 21st highest two-bedroom Small Area FMR. Springfield, OH is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $1,160 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,070 for this ZIP code instead.
ZIP code 43078 crosses more than one HUD area. HUD also lists it under Champaign County, OH (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $750 | $675 – $825 | $808 | $730 |
| 1 bedroom | $850 | $765 – $935 | $887 | $810 |
| 2 bedrooms | $1,070 | $963 – $1,177 | $1,160 | $1,040 |
| 3 bedrooms | $1,390 | $1,251 – $1,529 | $1,434 | $1,330 |
| 4 bedrooms | $1,510 | $1,359 – $1,661 | $1,648 | $1,460 |
A household renting a two-bedroom home at the Small Area FMR of $1,070 needs about $42,800 a year to keep housing costs at 30% of income. The area median family income is $83,700 and the 80% low-income limit for four people is $70,150. ZIP code 43078 lies mainly in Champaign County and Clark County. See the Springfield, OH county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 43078?
HUD's FY2027 Small Area Fair Market Rents for 43078 are $750 (studio), $850 (1 BR), $1,070 (2 BR), $1,390 (3 BR) and $1,510 (4 BR) a month.
What is the Section 8 payment standard in 43078?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 43078 that range is $963 to $1,177 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 43078?
The FY2026 income limits of the Springfield, OH area apply: median family income $83,700, low-income (80%) limit $70,150 for a family of four.