FY2027 Small Area FMR · Fort Loramie, OH
ZIP 45845 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45845 (Fort Loramie, OH) is $1,000 a month, up 3.1% from FY2026. That is 2% below the Auglaize County, OH area-wide FMR of $1,016.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 45845 sits in the Auglaize County, OH area
Of the 19 ZIP codes HUD lists for the area, 45845 has the 14th highest two-bedroom Small Area FMR. Auglaize 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 $1,016 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,000 for this ZIP code instead.
ZIP code 45845 crosses more than one HUD area. HUD also lists it under Darke County, OH (same figures), Mercer County, OH (same figures) and Shelby County, OH (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $750 | $675 – $825 | $772 | $680 |
| 1 bedroom | $770 | $693 – $847 | $777 | $740 |
| 2 bedrooms | $1,000 | $900 – $1,100 | $1,016 | $970 |
| 3 bedrooms | $1,350 | $1,215 – $1,485 | $1,407 | $1,300 |
| 4 bedrooms | $1,510 | $1,359 – $1,661 | $1,603 | $1,360 |
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 $105,900 and the 80% low-income limit for four people is $84,700. ZIP code 45845 lies mainly in Shelby County, Auglaize County and Mercer County. See the Auglaize County, OH county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 45845?
HUD's FY2027 Small Area Fair Market Rents for 45845 are $750 (studio), $770 (1 BR), $1,000 (2 BR), $1,350 (3 BR) and $1,510 (4 BR) a month.
What is the Section 8 payment standard in 45845?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45845 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 45845?
The FY2026 income limits of the Auglaize County, OH area apply: median family income $105,900, low-income (80%) limit $84,700 for a family of four.