FY2027 Small Area FMR · Willoughby, OH

ZIP 44096 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 44096 (Willoughby, OH) is $1,320 a month, down 1.5% from FY2026. That is 4% above the Cleveland, OH area-wide FMR of $1,274.

2-bedroom SAFMR$1,320per month ▼ 1.5%

Area-wide 2 BR FMR$1,274Cleveland, OH

Rank in the area49thof 126 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,188

2 BR Small Area FMR$1,320

110% of SAFMR$1,452

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

Studio$960▼ 2.0%

1 BR$1,090▼ 1.8%

2 BR$1,320▼ 1.5%

3 BR$1,690▼ 1.7%

4 BR$1,820▼ 1.1%

FY2027 FY2026

Where 44096 sits in the Cleveland, OH area

Of the 126 ZIP codes HUD lists for the area, 44096 has the 49th 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 $1,320 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	$960	$864 – $1,056	$924	$980
1 bedroom	$1,090	$981 – $1,199	$1,050	$1,110
2 bedrooms	$1,320	$1,188 – $1,452	$1,274	$1,340
3 bedrooms	$1,690	$1,521 – $1,859	$1,628	$1,720
4 bedrooms	$1,820	$1,638 – $2,002	$1,756	$1,840

A household renting a two-bedroom home at the Small Area FMR of $1,320 needs about $52,800 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 44096 lies mainly in Lake County. See the Cleveland, OH metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
44095	Eastlake	2.0 mi	$1,200
44094	Willoughby	2.4 mi	$1,440
44092	Wickliffe	4.2 mi	$1,290
44060	Mentor	4.8 mi	$1,430
44132	Euclid	5.2 mi	$1,280
44123	Euclid	6.5 mi	$1,250

Questions

What is the Fair Market Rent for ZIP code 44096?

HUD's FY2027 Small Area Fair Market Rents for 44096 are $960 (studio), $1,090 (1 BR), $1,320 (2 BR), $1,690 (3 BR) and $1,820 (4 BR) a month.

What is the Section 8 payment standard in 44096?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 44096 that range is $1,188 to $1,452 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 44096?

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.