FY2027 Small Area FMR · Clayton, OH

ZIP 45315 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45315 (Clayton, OH) is $1,120 a month, down 6.7% from FY2026. That is 10% below the Dayton-Kettering-Beavercreek, OH area-wide FMR of $1,248.

2-bedroom SAFMR$1,120per month ▼ 6.7%

Area-wide 2 BR FMR$1,248Dayton-Kettering-Beavercreek

Rank in the area62ndof 88 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,008

2 BR Small Area FMR$1,120

110% of SAFMR$1,232

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

Studio$820▼ 5.7%

1 BR$900▼ 5.3%

2 BR$1,120▼ 6.7%

3 BR$1,460▼ 6.4%

4 BR$1,590▼ 7.0%

FY2027 FY2026

Where 45315 sits in the Dayton-Kettering-Beavercreek, OH area

Of the 88 ZIP codes HUD lists for the area, 45315 has the 62nd highest two-bedroom Small Area FMR. Dayton-Kettering-Beavercreek, OH 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 $1,008 and $1,232 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$820	$738 – $902	$909	$870
1 bedroom	$900	$810 – $990	$1,008	$950
2 bedrooms	$1,120	$1,008 – $1,232	$1,248	$1,200
3 bedrooms	$1,460	$1,314 – $1,606	$1,623	$1,560
4 bedrooms	$1,590	$1,431 – $1,749	$1,774	$1,710

A household renting a two-bedroom home at the Small Area FMR of $1,120 needs about $44,800 a year to keep housing costs at 30% of income. The area median family income is $103,000 and the 80% low-income limit for four people is $82,400. ZIP code 45315 lies mainly in Montgomery County. See the Dayton-Kettering-Beavercreek, OH metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
45322	Englewood	3.0 mi	$1,290
45426	Dayton	3.8 mi	$1,170
45309	Brookville	4.1 mi	$1,200
45415	Dayton	4.6 mi	$1,150
45354	Phillipsburg	4.9 mi	$1,320
45416	Dayton	5.5 mi	$1,420

Questions

What is the Fair Market Rent for ZIP code 45315?

HUD's FY2027 Small Area Fair Market Rents for 45315 are $820 (studio), $900 (1 BR), $1,120 (2 BR), $1,460 (3 BR) and $1,590 (4 BR) a month.

What is the Section 8 payment standard in 45315?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45315 that range is $1,008 to $1,232 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 45315?

The FY2026 income limits of the Dayton-Kettering-Beavercreek, OH area apply: median family income $103,000, low-income (80%) limit $82,400 for a family of four.