FY2027 Small Area FMR · Vermilion, OH
ZIP 44089 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 44089 (Vermilion, OH) is $1,390 a month, up 3.0% from FY2026. That is 9% 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 44089 sits in the Cleveland, OH area
Of the 126 ZIP codes HUD lists for the area, 44089 has the 34th 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 $1,390 for this ZIP code instead.
ZIP code 44089 crosses more than one HUD area. HUD also lists it under Erie 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 | $1,040 | $936 – $1,144 | $924 | $1,020 |
| 1 bedroom | $1,130 | $1,017 – $1,243 | $1,050 | $1,090 |
| 2 bedrooms | $1,390 | $1,251 – $1,529 | $1,274 | $1,350 |
| 3 bedrooms | $1,760 | $1,584 – $1,936 | $1,628 | $1,710 |
| 4 bedrooms | $1,930 | $1,737 – $2,123 | $1,756 | $1,880 |
A household renting a two-bedroom home at the Small Area FMR of $1,390 needs about $55,600 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 44089 lies mainly in Erie County and 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 44089?
HUD's FY2027 Small Area Fair Market Rents for 44089 are $1,040 (studio), $1,130 (1 BR), $1,390 (2 BR), $1,760 (3 BR) and $1,930 (4 BR) a month.
What is the Section 8 payment standard in 44089?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 44089 that range is $1,251 to $1,529 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 44089?
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.