FY2027 Small Area FMR · Clay Center, OH

ZIP 43408 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 43408 (Clay Center, OH) is $1,220 a month, up 3.4% from FY2026. That is 1% above the Ottawa County, OH area-wide FMR of $1,209.

2-bedroom SAFMR$1,220per month ▲ 3.4%

Area-wide 2 BR FMR$1,209Ottawa County, OH

Rank in the area3rdof 20 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,098

2 BR Small Area FMR$1,220

110% of SAFMR$1,342

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

Studio$870▲ 2.4%

1 BR$930▲ 3.3%

2 BR$1,220▲ 3.4%

3 BR$1,510▲ 3.4%

4 BR$1,800▲ 5.9%

FY2027 FY2026

Where 43408 sits in the Ottawa County, OH area

Of the 20 ZIP codes HUD lists for the area, 43408 has the 3rd highest two-bedroom Small Area FMR. Ottawa County, 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 $1,209 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,220 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$870	$783 – $957	$869	$850
1 bedroom	$930	$837 – $1,023	$924	$900
2 bedrooms	$1,220	$1,098 – $1,342	$1,209	$1,180
3 bedrooms	$1,510	$1,359 – $1,661	$1,441	$1,460
4 bedrooms	$1,800	$1,620 – $1,980	$1,923	$1,700

A household renting a two-bedroom home at the Small Area FMR of $1,220 needs about $48,800 a year to keep housing costs at 30% of income. The area median family income is $102,700 and the 80% low-income limit for four people is $82,150. ZIP code 43408 lies mainly in Ottawa County. See the Ottawa County, OH county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
43468	Williston	2.1 mi	$1,210
43430	Genoa	3.4 mi	$1,140
43445	Martin	3.6 mi	$1,200
43447	Millbury	4.3 mi	$1,280
43412	Curtice	4.6 mi	$1,190
43432	Graytown	5.8 mi	$1,120

Questions

What is the Fair Market Rent for ZIP code 43408?

HUD's FY2027 Small Area Fair Market Rents for 43408 are $870 (studio), $930 (1 BR), $1,220 (2 BR), $1,510 (3 BR) and $1,800 (4 BR) a month.

What is the Section 8 payment standard in 43408?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 43408 that range is $1,098 to $1,342 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 43408?

The FY2026 income limits of the Ottawa County, OH area apply: median family income $102,700, low-income (80%) limit $82,150 for a family of four.