FY2027 Small Area FMR · Gallipolis, OH

ZIP 45631 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45631 (Gallipolis, OH) is $1,000 a month, up 3.1% from FY2026. That is 0% equal to the Gallia County, OH area-wide FMR of $1,003.

2-bedroom SAFMR$1,000per month ▲ 3.1%

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

Rank in the area6thof 12 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$900

2 BR Small Area FMR$1,000

110% of SAFMR$1,100

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

Studio$760▲ 2.7%

1 BR$900▲ 3.4%

2 BR$1,000▲ 3.1%

3 BR$1,320▲ 6.5%

4 BR$1,690▲ 3.0%

FY2027 FY2026

Where 45631 sits in the Gallia County, OH area

Of the 12 ZIP codes HUD lists for the area, 45631 has the 6th highest two-bedroom Small Area FMR. Gallia 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 $1,000 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	$760	$684 – $836	$758	$740
1 bedroom	$900	$810 – $990	$898	$870
2 bedrooms	$1,000	$900 – $1,100	$1,003	$970
3 bedrooms	$1,320	$1,188 – $1,452	$1,320	$1,240
4 bedrooms	$1,690	$1,521 – $1,859	$1,676	$1,640

A household renting a two-bedroom home at the Small Area FMR of $1,000 needs about $40,000 a year to keep housing costs at 30% of income. The area median family income is $76,400 and the 80% low-income limit for four people is $70,150. ZIP code 45631 lies mainly in Gallia County. See the Gallia County, OH county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
45674	Rio Grande	7.2 mi	$1,000
45614	Bidwell	7.5 mi	$1,000
25515	Gallipolis Ferry	7.8 mi	$1,030
25106	Henderson	8.6 mi	$1,050
45658	Patriot	8.9 mi	$1,010
25550	Point Pleasant	11.0 mi	$940

Questions

What is the Fair Market Rent for ZIP code 45631?

HUD's FY2027 Small Area Fair Market Rents for 45631 are $760 (studio), $900 (1 BR), $1,000 (2 BR), $1,320 (3 BR) and $1,690 (4 BR) a month.

What is the Section 8 payment standard in 45631?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45631 that range is $900 to $1,100 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 45631?

The FY2026 income limits of the Gallia County, OH area apply: median family income $76,400, low-income (80%) limit $70,150 for a family of four.