FY2027 Small Area FMR · Coldwater, OH

ZIP 45828 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45828 (Coldwater, OH) is $1,000 a month, up 3.1% from FY2026. That is 1% below the Mercer County, OH area-wide FMR of $1,008.

2-bedroom SAFMR$1,000per month ▲ 3.1%

Area-wide 2 BR FMR$1,008Mercer County, OH

Rank in the area8thof 18 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$800▲ 2.6%

2 BR$1,000▲ 3.1%

3 BR$1,250▼ 1.6%

4 BR$1,390▲ 7.8%

FY2027 FY2026

Where 45828 sits in the Mercer County, OH area

Of the 18 ZIP codes HUD lists for the area, 45828 has the 8th highest two-bedroom Small Area FMR. Mercer 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 $1,008 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	$762	$740
1 bedroom	$800	$720 – $880	$807	$780
2 bedrooms	$1,000	$900 – $1,100	$1,008	$970
3 bedrooms	$1,250	$1,125 – $1,375	$1,258	$1,270
4 bedrooms	$1,390	$1,251 – $1,529	$1,394	$1,290

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 $102,400 and the 80% low-income limit for four people is $81,900. ZIP code 45828 lies mainly in Mercer County. See the Mercer County, OH county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
45883	Saint Henry	5.7 mi	$1,000
45846	Fort Recovery	6.2 mi	$1,000
45822	Celina	6.3 mi	$1,030
45866	Montezuma	6.4 mi	$1,030
45310	Burkettsville	9.1 mi	$1,130
45826	Chickasaw	9.9 mi	$1,000

Questions

What is the Fair Market Rent for ZIP code 45828?

HUD's FY2027 Small Area Fair Market Rents for 45828 are $760 (studio), $800 (1 BR), $1,000 (2 BR), $1,250 (3 BR) and $1,390 (4 BR) a month.

What is the Section 8 payment standard in 45828?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45828 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 45828?

The FY2026 income limits of the Mercer County, OH area apply: median family income $102,400, low-income (80%) limit $81,900 for a family of four.