FY2027 Small Area FMR · Maineville, OH

ZIP 45039 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45039 (Maineville, OH) is $2,100 a month, up 6.1% from FY2026. That is 46% above the Cincinnati, OH-KY-IN area-wide FMR of $1,442.

2-bedroom SAFMR$2,100per month ▲ 6.1%

Area-wide 2 BR FMR$1,442Cincinnati, OH-KY-IN

Rank in the area7thof 184 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,890

2 BR Small Area FMR$2,100

110% of SAFMR$2,310

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

Studio$1,530▲ 9.3%

1 BR$1,640▲ 6.5%

2 BR$2,100▲ 6.1%

3 BR$2,760▲ 5.7%

4 BR$3,120▲ 8.0%

FY2027 FY2026

Where 45039 sits in the Cincinnati, OH-KY-IN area

Of the 184 ZIP codes HUD lists for the area, 45039 has the 7th highest two-bedroom Small Area FMR. Cincinnati, OH-KY-IN is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2023), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,890 and $2,310 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,530	$1,377 – $1,683	$1,052	$1,400
1 bedroom	$1,640	$1,476 – $1,804	$1,128	$1,540
2 bedrooms	$2,100	$1,890 – $2,310	$1,442	$1,980
3 bedrooms	$2,760	$2,484 – $3,036	$1,897	$2,610
4 bedrooms	$3,120	$2,808 – $3,432	$2,141	$2,890

A household renting a two-bedroom home at the Small Area FMR of $2,100 needs about $84,000 a year to keep housing costs at 30% of income. The area median family income is $109,900 and the 80% low-income limit for four people is $87,900. ZIP code 45039 lies mainly in Warren County. See the Cincinnati, OH-KY-IN metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
45034	Kings Mills	2.1 mi	$2,030
45065	South Lebanon	3.3 mi	$1,890
45040	Mason	4.1 mi	$2,160
45140	Loveland	4.9 mi	$1,840
45249	Cincinnati	5.8 mi	$1,910
45152	Morrow	6.7 mi	$1,470

Questions

What is the Fair Market Rent for ZIP code 45039?

HUD's FY2027 Small Area Fair Market Rents for 45039 are $1,530 (studio), $1,640 (1 BR), $2,100 (2 BR), $2,760 (3 BR) and $3,120 (4 BR) a month.

What is the Section 8 payment standard in 45039?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45039 that range is $1,890 to $2,310 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 45039?

The FY2026 income limits of the Cincinnati, OH-KY-IN area apply: median family income $109,900, low-income (80%) limit $87,900 for a family of four.