FY2027 Small Area FMR · Elgin, OH

ZIP 45838 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45838 (Elgin, OH) is $1,140 a month, up 4.6% from FY2026. That is 14% above the Van Wert County, OH area-wide FMR of $1,003.

2-bedroom SAFMR$1,140per month ▲ 4.6%

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

Rank in the area5thof 14 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,026

2 BR Small Area FMR$1,140

110% of SAFMR$1,254

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

Studio$880▲ 8.6%

1 BR$900▲ 5.9%

2 BR$1,140▲ 4.6%

3 BR$1,430▲ 5.1%

4 BR$1,540▲ 4.1%

FY2027 FY2026

Where 45838 sits in the Van Wert County, OH area

Of the 14 ZIP codes HUD lists for the area, 45838 has the 5th highest two-bedroom Small Area FMR. Van Wert 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 $1,140 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	$880	$792 – $968	$770	$810
1 bedroom	$900	$810 – $990	$795	$850
2 bedrooms	$1,140	$1,026 – $1,254	$1,003	$1,090
3 bedrooms	$1,430	$1,287 – $1,573	$1,261	$1,360
4 bedrooms	$1,540	$1,386 – $1,694	$1,358	$1,480

A household renting a two-bedroom home at the Small Area FMR of $1,140 needs about $45,600 a year to keep housing costs at 30% of income. The area median family income is $89,200 and the 80% low-income limit for four people is $71,350. ZIP code 45838 lies mainly in Van Wert County. See the Van Wert County, OH county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
45894	Venedocia	1.4 mi	$1,140
45862	Mendon	5.3 mi	$1,000
45887	Spencerville	6.3 mi	$1,150
45833	Delphos	9.3 mi	$1,080
45891	Van Wert	10.4 mi	$1,000
45874	Ohio City	10.6 mi	$1,200

Questions

What is the Fair Market Rent for ZIP code 45838?

HUD's FY2027 Small Area Fair Market Rents for 45838 are $880 (studio), $900 (1 BR), $1,140 (2 BR), $1,430 (3 BR) and $1,540 (4 BR) a month.

What is the Section 8 payment standard in 45838?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45838 that range is $1,026 to $1,254 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 45838?

The FY2026 income limits of the Van Wert County, OH area apply: median family income $89,200, low-income (80%) limit $71,350 for a family of four.