FY2027 Small Area FMR · Oak Harbor, OH
ZIP 43449 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 43449 (Oak Harbor, OH) is $1,130 a month, up 5.6% from FY2026. That is 7% below the Ottawa County, OH area-wide FMR of $1,209.
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 43449 sits in the Ottawa County, OH area
Of the 20 ZIP codes HUD lists for the area, 43449 has the 13th 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 $1,130 for this ZIP code instead.
ZIP code 43449 crosses more than one HUD area. HUD also lists it under Sandusky 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 | $810 | $729 – $891 | $869 | $780 |
| 1 bedroom | $860 | $774 – $946 | $924 | $820 |
| 2 bedrooms | $1,130 | $1,017 – $1,243 | $1,209 | $1,070 |
| 3 bedrooms | $1,350 | $1,215 – $1,485 | $1,441 | $1,280 |
| 4 bedrooms | $1,800 | $1,620 – $1,980 | $1,923 | $1,640 |
A household renting a two-bedroom home at the Small Area FMR of $1,130 needs about $45,200 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 43449 lies mainly in Ottawa County and Sandusky County. See the Ottawa County, 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 43449?
HUD's FY2027 Small Area Fair Market Rents for 43449 are $810 (studio), $860 (1 BR), $1,130 (2 BR), $1,350 (3 BR) and $1,800 (4 BR) a month.
What is the Section 8 payment standard in 43449?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 43449 that range is $1,017 to $1,243 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 43449?
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.