FY2027 Small Area FMR · Gomer, OH

ZIP 45809 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45809 (Gomer, OH) is $1,230 a month, up 4.2% from FY2026. That is 4% above the Lima, OH area-wide FMR of $1,179.

2-bedroom SAFMR$1,230per month ▲ 4.2%

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

Rank in the area4thof 23 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,107

2 BR Small Area FMR$1,230

110% of SAFMR$1,353

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

Studio$930▲ 4.5%

1 BR$940▲ 4.4%

2 BR$1,230▲ 4.2%

3 BR$1,480▲ 4.2%

4 BR$1,640▲ 3.1%

FY2027 FY2026

Where 45809 sits in the Lima, OH area

Of the 23 ZIP codes HUD lists for the area, 45809 has the 4th 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 $1,230 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	$930	$837 – $1,023	$895	$890
1 bedroom	$940	$846 – $1,034	$901	$900
2 bedrooms	$1,230	$1,107 – $1,353	$1,179	$1,180
3 bedrooms	$1,480	$1,332 – $1,628	$1,418	$1,420
4 bedrooms	$1,640	$1,476 – $1,804	$1,571	$1,590

A household renting a two-bedroom home at the Small Area FMR of $1,230 needs about $49,200 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 45809 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	2.8 mi	$1,230
45893	Vaughnsville	3.3 mi	$1,200
45820	Cairo	5.4 mi	$1,190
45830	Columbus Grove	6.4 mi	$1,200
45844	Fort Jennings	6.7 mi	$1,000
45805	Lima	8.2 mi	$1,210

Questions

What is the Fair Market Rent for ZIP code 45809?

HUD's FY2027 Small Area Fair Market Rents for 45809 are $930 (studio), $940 (1 BR), $1,230 (2 BR), $1,480 (3 BR) and $1,640 (4 BR) a month.

What is the Section 8 payment standard in 45809?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45809 that range is $1,107 to $1,353 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 45809?

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.