FY2027 Small Area FMR · Findlay, OH

ZIP 45840 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45840 (Findlay, OH) is $1,200 a month, up 4.3% from FY2026. That is 1% above the Hancock County, OH area-wide FMR of $1,189.

2-bedroom SAFMR$1,200per month ▲ 4.3%

Area-wide 2 BR FMR$1,189Hancock County, OH

Rank in the area6thof 25 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,080

2 BR Small Area FMR$1,200

110% of SAFMR$1,320

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

Studio$840▲ 6.3%

1 BR$920▲ 4.5%

2 BR$1,200▲ 4.3%

3 BR$1,560▲ 3.3%

4 BR$1,770▲ 2.3%

FY2027 FY2026

Where 45840 sits in the Hancock County, OH area

Of the 25 ZIP codes HUD lists for the area, 45840 has the 6th highest two-bedroom Small Area FMR. Hancock 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 $1,189 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,200 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	$840	$756 – $924	$828	$790
1 bedroom	$920	$828 – $1,012	$909	$880
2 bedrooms	$1,200	$1,080 – $1,320	$1,189	$1,150
3 bedrooms	$1,560	$1,404 – $1,716	$1,546	$1,510
4 bedrooms	$1,770	$1,593 – $1,947	$1,752	$1,730

A household renting a two-bedroom home at the Small Area FMR of $1,200 needs about $48,000 a year to keep housing costs at 30% of income. The area median family income is $105,900 and the 80% low-income limit for four people is $82,700. ZIP code 45840 lies mainly in Hancock County. See the Hancock County, OH county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
45816	Benton Ridge	7.5 mi	$1,310
44804	Arcadia	8.3 mi	$1,020
45881	Rawson	8.6 mi	$1,450
45814	Arlington	8.8 mi	$1,020
45889	Van Buren	8.8 mi	$1,150
45890	Vanlue	9.1 mi	$1,020

Questions

What is the Fair Market Rent for ZIP code 45840?

HUD's FY2027 Small Area Fair Market Rents for 45840 are $840 (studio), $920 (1 BR), $1,200 (2 BR), $1,560 (3 BR) and $1,770 (4 BR) a month.

What is the Section 8 payment standard in 45840?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45840 that range is $1,080 to $1,320 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 45840?

The FY2026 income limits of the Hancock County, OH area apply: median family income $105,900, low-income (80%) limit $82,700 for a family of four.