FY2027 Small Area FMR · Kitts Hill, OH

ZIP 45645 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45645 (Kitts Hill, OH) is $1,050 a month, up 1.9% from FY2026. That is 4% above the Huntington-Ashland, WV-KY-OH area-wide FMR of $1,006.

2-bedroom SAFMR$1,050per month ▲ 1.9%

Area-wide 2 BR FMR$1,006Huntington-Ashland, WV-KY-OH

Rank in the area11thof 95 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$945

2 BR Small Area FMR$1,050

110% of SAFMR$1,155

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

Studio$900■ 0.0%

1 BR$900■ 0.0%

2 BR$1,050▲ 1.9%

3 BR$1,340▲ 1.5%

4 BR$1,450▼ 2.7%

FY2027 FY2026

Where 45645 sits in the Huntington-Ashland, WV-KY-OH area

Of the 95 ZIP codes HUD lists for the area, 45645 has the 11th highest two-bedroom Small Area FMR. Huntington-Ashland, WV-KY-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 $1,006 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,050 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	$900	$810 – $990	$858	$900
1 bedroom	$900	$810 – $990	$864	$900
2 bedrooms	$1,050	$945 – $1,155	$1,006	$1,030
3 bedrooms	$1,340	$1,206 – $1,474	$1,287	$1,320
4 bedrooms	$1,450	$1,305 – $1,595	$1,393	$1,490

A household renting a two-bedroom home at the Small Area FMR of $1,050 needs about $42,000 a year to keep housing costs at 30% of income. The area median family income is $83,300 and the 80% low-income limit for four people is $66,650. ZIP code 45645 lies mainly in Lawrence County. See the Huntington-Ashland, WV-KY-OH metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
45696	Willow Wood	4.7 mi	$1,030
45680	South Point	6.9 mi	$1,000
45638	Ironton	8.3 mi	$1,000
45619	Chesapeake	8.3 mi	$1,000
45678	Scottown	8.5 mi	$1,020
45659	Pedro	8.7 mi	$1,000

Questions

What is the Fair Market Rent for ZIP code 45645?

HUD's FY2027 Small Area Fair Market Rents for 45645 are $900 (studio), $900 (1 BR), $1,050 (2 BR), $1,340 (3 BR) and $1,450 (4 BR) a month.

What is the Section 8 payment standard in 45645?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45645 that range is $945 to $1,155 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 45645?

The FY2026 income limits of the Huntington-Ashland, WV-KY-OH area apply: median family income $83,300, low-income (80%) limit $66,650 for a family of four.