FY2027 Small Area FMR · Toledo, OH

ZIP 43604 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 43604 (Toledo, OH) is $1,000 a month, up 3.1% from FY2026. That is 13% below the Toledo, OH area-wide FMR of $1,145.

2-bedroom SAFMR$1,000per month ▲ 3.1%

Area-wide 2 BR FMR$1,145Toledo, OH

Rank in the area69thof 77 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$900

2 BR Small Area FMR$1,000

110% of SAFMR$1,100

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

Studio$720▲ 2.9%

1 BR$770▲ 4.1%

2 BR$1,000▲ 3.1%

3 BR$1,280▲ 2.4%

4 BR$1,360▲ 3.8%

FY2027 FY2026

Where 43604 sits in the Toledo, OH area

Of the 77 ZIP codes HUD lists for the area, 43604 has the 69th 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 $1,000 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	$720	$648 – $792	$822	$700
1 bedroom	$770	$693 – $847	$875	$740
2 bedrooms	$1,000	$900 – $1,100	$1,145	$970
3 bedrooms	$1,280	$1,152 – $1,408	$1,461	$1,250
4 bedrooms	$1,360	$1,224 – $1,496	$1,558	$1,310

A household renting a two-bedroom home at the Small Area FMR of $1,000 needs about $40,000 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 43604 lies mainly in Lucas County. See the Toledo, OH metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
43620	Toledo	1.2 mi	$1,000
43605	Toledo	1.8 mi	$1,160
43608	Toledo	2.1 mi	$1,040
43610	Toledo	2.1 mi	$1,140
43609	Toledo	2.7 mi	$1,150
43607	Toledo	3.3 mi	$1,080

Questions

What is the Fair Market Rent for ZIP code 43604?

HUD's FY2027 Small Area Fair Market Rents for 43604 are $720 (studio), $770 (1 BR), $1,000 (2 BR), $1,280 (3 BR) and $1,360 (4 BR) a month.

What is the Section 8 payment standard in 43604?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 43604 that range is $900 to $1,100 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 43604?

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.