FY2027 Small Area FMR · Avon Lake, OH
ZIP 44012 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 44012 (Avon Lake, OH) is $1,850 a month, down 0.5% from FY2026. That is 45% above the Cleveland, OH area-wide FMR of $1,274.
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 44012 sits in the Cleveland, OH area
Of the 126 ZIP codes HUD lists for the area, 44012 has the 6th highest two-bedroom Small Area FMR. Cleveland, 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 $1,274 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,850 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,340 | $1,206 – $1,474 | $924 | $1,360 |
| 1 bedroom | $1,530 | $1,377 – $1,683 | $1,050 | $1,540 |
| 2 bedrooms | $1,850 | $1,665 – $2,035 | $1,274 | $1,860 |
| 3 bedrooms | $2,360 | $2,124 – $2,596 | $1,628 | $2,390 |
| 4 bedrooms | $2,550 | $2,295 – $2,805 | $1,756 | $2,560 |
A household renting a two-bedroom home at the Small Area FMR of $1,850 needs about $74,000 a year to keep housing costs at 30% of income. The area median family income is $105,000 and the 80% low-income limit for four people is $84,000. ZIP code 44012 lies mainly in Lorain County. See the Cleveland, 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 44012?
HUD's FY2027 Small Area Fair Market Rents for 44012 are $1,340 (studio), $1,530 (1 BR), $1,850 (2 BR), $2,360 (3 BR) and $2,550 (4 BR) a month.
What is the Section 8 payment standard in 44012?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 44012 that range is $1,665 to $2,035 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 44012?
The FY2026 income limits of the Cleveland, OH area apply: median family income $105,000, low-income (80%) limit $84,000 for a family of four.