FY2027 Small Area FMR · Napoleon, OH
ZIP 43545 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 43545 (Napoleon, OH) is $1,020 a month, up 2.0% from FY2026. That is 11% below the Toledo, OH area-wide FMR of $1,145.
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 43545 sits in the Toledo, OH area
Of the 77 ZIP codes HUD lists for the area, 43545 has the 66th highest two-bedroom Small Area FMR. Toledo, 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 $1,145 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,020 for this ZIP code instead.
ZIP code 43545 crosses more than one HUD area. HUD also lists it under Defiance County, OH (same figures) and Henry 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 | $820 | $738 – $902 | $822 | $770 |
| 1 bedroom | $820 | $738 – $902 | $875 | $780 |
| 2 bedrooms | $1,020 | $918 – $1,122 | $1,145 | $1,000 |
| 3 bedrooms | $1,360 | $1,224 – $1,496 | $1,461 | $1,330 |
| 4 bedrooms | $1,700 | $1,530 – $1,870 | $1,558 | $1,680 |
A household renting a two-bedroom home at the Small Area FMR of $1,020 needs about $40,800 a year to keep housing costs at 30% of income. The area median family income is $95,400 and the 80% low-income limit for four people is $76,300. ZIP code 43545 lies mainly in Henry County and Defiance County. See the Toledo, OH metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 43545?
HUD's FY2027 Small Area Fair Market Rents for 43545 are $820 (studio), $820 (1 BR), $1,020 (2 BR), $1,360 (3 BR) and $1,700 (4 BR) a month.
What is the Section 8 payment standard in 43545?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 43545 that range is $918 to $1,122 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 43545?
The FY2026 income limits of the Toledo, OH area apply: median family income $95,400, low-income (80%) limit $76,300 for a family of four.