FY2027 Small Area FMR · Haviland, OH
ZIP 45851 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45851 (Haviland, OH) is $1,040 a month, down 4.6% from FY2026. That is 4% above the Paulding County, OH area-wide FMR of $1,003.
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 45851 sits in the Paulding County, OH area
Of the 16 ZIP codes HUD lists for the area, 45851 has the 4th highest two-bedroom Small Area FMR. Paulding 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 $1,040 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $790 | $711 – $869 | $758 | $820 |
| 1 bedroom | $800 | $720 – $880 | $767 | $870 |
| 2 bedrooms | $1,040 | $936 – $1,144 | $1,003 | $1,090 |
| 3 bedrooms | $1,370 | $1,233 – $1,507 | $1,319 | $1,500 |
| 4 bedrooms | $1,740 | $1,566 – $1,914 | $1,676 | $1,710 |
A household renting a two-bedroom home at the Small Area FMR of $1,040 needs about $41,600 a year to keep housing costs at 30% of income. The area median family income is $90,900 and the 80% low-income limit for four people is $72,700. ZIP code 45851 lies mainly in Paulding County. See the Paulding 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 45851?
HUD's FY2027 Small Area Fair Market Rents for 45851 are $790 (studio), $800 (1 BR), $1,040 (2 BR), $1,370 (3 BR) and $1,740 (4 BR) a month.
What is the Section 8 payment standard in 45851?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45851 that range is $936 to $1,144 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 45851?
The FY2026 income limits of the Paulding County, OH area apply: median family income $90,900, low-income (80%) limit $72,700 for a family of four.