FY2027 Small Area FMR · Eldorado, OH

ZIP 45321 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45321 (Eldorado, OH) is $1,260 a month, up 5.9% from FY2026. That is 26% above the Preble County, OH area-wide FMR of $1,003.

2-bedroom SAFMR$1,260per month ▲ 5.9%

Area-wide 2 BR FMR$1,003Preble County, OH

Rank in the area6thof 18 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,134

2 BR Small Area FMR$1,260

110% of SAFMR$1,386

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

Studio$950▲ 5.6%

1 BR$960▲ 5.5%

2 BR$1,260▲ 5.9%

3 BR$1,670▲ 5.0%

4 BR$1,770▲ 1.7%

FY2027 FY2026

Where 45321 sits in the Preble County, OH area

Of the 18 ZIP codes HUD lists for the area, 45321 has the 6th highest two-bedroom Small Area FMR. Preble County, 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 $1,003 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,260 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	$950	$855 – $1,045	$758	$900
1 bedroom	$960	$864 – $1,056	$767	$910
2 bedrooms	$1,260	$1,134 – $1,386	$1,003	$1,190
3 bedrooms	$1,670	$1,503 – $1,837	$1,332	$1,590
4 bedrooms	$1,770	$1,593 – $1,947	$1,412	$1,740

A household renting a two-bedroom home at the Small Area FMR of $1,260 needs about $50,400 a year to keep housing costs at 30% of income. The area median family income is $90,200 and the 80% low-income limit for four people is $72,150. ZIP code 45321 lies mainly in Preble County. See the Preble County, OH county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
45347	New Paris	3.5 mi	$1,000
45382	West Manchester	4.2 mi	$1,300
45346	New Madison	7.3 mi	$1,080
45338	Lewisburg	7.8 mi	$1,090
45320	Eaton	8.8 mi	$1,000
45332	Hollansburg	9.2 mi	$1,040

Questions

What is the Fair Market Rent for ZIP code 45321?

HUD's FY2027 Small Area Fair Market Rents for 45321 are $950 (studio), $960 (1 BR), $1,260 (2 BR), $1,670 (3 BR) and $1,770 (4 BR) a month.

What is the Section 8 payment standard in 45321?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45321 that range is $1,134 to $1,386 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 45321?

The FY2026 income limits of the Preble County, OH area apply: median family income $90,200, low-income (80%) limit $72,150 for a family of four.