FY2027 Small Area FMR · Lima, OH

ZIP 45802 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45802 (Lima, OH) is $1,180 a month, up 6.3% from FY2026. That is 0% equal to the Lima, OH area-wide FMR of $1,179.

2-bedroom SAFMR$1,180per month ▲ 6.3%

Area-wide 2 BR FMR$1,179Lima, OH

Rank in the area10thof 23 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,062

2 BR Small Area FMR$1,180

110% of SAFMR$1,298

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

Studio$900▲ 7.1%

1 BR$900▲ 5.9%

2 BR$1,180▲ 6.3%

3 BR$1,420▲ 6.0%

4 BR$1,570▲ 4.7%

FY2027 FY2026

Where 45802 sits in the Lima, OH area

Of the 23 ZIP codes HUD lists for the area, 45802 has the 10th highest two-bedroom Small Area FMR. Lima, 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 $1,179 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,180 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	$895	$840
1 bedroom	$900	$810 – $990	$901	$850
2 bedrooms	$1,180	$1,062 – $1,298	$1,179	$1,110
3 bedrooms	$1,420	$1,278 – $1,562	$1,418	$1,340
4 bedrooms	$1,570	$1,413 – $1,727	$1,571	$1,500

A household renting a two-bedroom home at the Small Area FMR of $1,180 needs about $47,200 a year to keep housing costs at 30% of income. The area median family income is $85,700 and the 80% low-income limit for four people is $70,300. ZIP code 45802 lies mainly in Allen County. See the Lima, OH county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
45807	Lima	2.4 mi	$1,230
45805	Lima	3.9 mi	$1,210
45820	Cairo	4.6 mi	$1,190
45809	Gomer	5.1 mi	$1,230
45801	Lima	5.5 mi	$1,150
45804	Lima	6.4 mi	$1,200

Questions

What is the Fair Market Rent for ZIP code 45802?

HUD's FY2027 Small Area Fair Market Rents for 45802 are $900 (studio), $900 (1 BR), $1,180 (2 BR), $1,420 (3 BR) and $1,570 (4 BR) a month.

What is the Section 8 payment standard in 45802?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45802 that range is $1,062 to $1,298 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 45802?

The FY2026 income limits of the Lima, OH area apply: median family income $85,700, low-income (80%) limit $70,300 for a family of four.