FY2027 Small Area FMR · Mc Guffey, OH

ZIP 45859 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45859 (Mc Guffey, OH) is $1,030 a month, up 1.0% from FY2026. That is 3% above the Hardin County, OH area-wide FMR of $1,003.

2-bedroom SAFMR$1,030per month ▲ 1.0%

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

Rank in the area13thof 17 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$927

2 BR Small Area FMR$1,030

110% of SAFMR$1,133

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

Studio$900▲ 7.1%

1 BR$900▲ 5.9%

2 BR$1,030▲ 1.0%

3 BR$1,320▲ 2.3%

4 BR$1,490▲ 3.5%

FY2027 FY2026

Where 45859 sits in the Hardin County, OH area

Of the 17 ZIP codes HUD lists for the area, 45859 has the 13th highest two-bedroom Small Area FMR. Hardin 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 $1,030 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	$900	$810 – $990	$873	$840
1 bedroom	$900	$810 – $990	$878	$850
2 bedrooms	$1,030	$927 – $1,133	$1,003	$1,020
3 bedrooms	$1,320	$1,188 – $1,452	$1,288	$1,290
4 bedrooms	$1,490	$1,341 – $1,639	$1,448	$1,440

A household renting a two-bedroom home at the Small Area FMR of $1,030 needs about $41,200 a year to keep housing costs at 30% of income. The area median family income is $86,800 and the 80% low-income limit for four people is $70,150. ZIP code 45859 lies mainly in Hardin County. See the Hardin County, OH county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
45812	Alger	1.8 mi	$1,090
45835	Dola	6.4 mi	$1,020
45810	Ada	7.2 mi	$1,020
45850	Harrod	7.5 mi	$1,250
43346	Roundhead	8.4 mi	$1,150
43326	Kenton	9.1 mi	$1,000

Questions

What is the Fair Market Rent for ZIP code 45859?

HUD's FY2027 Small Area Fair Market Rents for 45859 are $900 (studio), $900 (1 BR), $1,030 (2 BR), $1,320 (3 BR) and $1,490 (4 BR) a month.

What is the Section 8 payment standard in 45859?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45859 that range is $927 to $1,133 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 45859?

The FY2026 income limits of the Hardin County, OH area apply: median family income $86,800, low-income (80%) limit $70,150 for a family of four.