FY2027 Small Area FMR · Melrose, OH

ZIP 45861 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45861 (Melrose, OH) is $1,000 a month, up 3.1% from FY2026. That is 0% equal to the Paulding County, OH area-wide FMR of $1,003.

2-bedroom SAFMR$1,000per month ▲ 3.1%

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

Rank in the area9thof 16 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$900

2 BR Small Area FMR$1,000

110% of SAFMR$1,100

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

Studio$760▲ 2.7%

1 BR$770▼ 1.3%

2 BR$1,000▲ 3.1%

3 BR$1,320▼ 1.5%

4 BR$1,690▲ 10.5%

FY2027 FY2026

Where 45861 sits in the Paulding County, OH area

Of the 16 ZIP codes HUD lists for the area, 45861 has the 9th 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 $1,000 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	$760	$684 – $836	$758	$740
1 bedroom	$770	$693 – $847	$767	$780
2 bedrooms	$1,000	$900 – $1,100	$1,003	$970
3 bedrooms	$1,320	$1,188 – $1,452	$1,319	$1,340
4 bedrooms	$1,690	$1,521 – $1,859	$1,676	$1,530

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 $90,900 and the 80% low-income limit for four people is $72,700. ZIP code 45861 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

ZIP	Place	Distance	2 BR SAFMR
45873	Oakwood	3.1 mi	$1,020
45849	Grover Hill	4.9 mi	$1,020
45879	Paulding	7.8 mi	$1,000
45855	Latty	8.2 mi	$1,500
45827	Cloverdale	8.9 mi	$1,050
45831	Continental	9.2 mi	$1,000

Questions

What is the Fair Market Rent for ZIP code 45861?

HUD's FY2027 Small Area Fair Market Rents for 45861 are $760 (studio), $770 (1 BR), $1,000 (2 BR), $1,320 (3 BR) and $1,690 (4 BR) a month.

What is the Section 8 payment standard in 45861?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45861 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 45861?

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.