FY2027 Small Area FMR · Willshire, OH
ZIP 45898 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 45898 (Willshire, OH) is $1,220 a month, up 13.0% from FY2026. That is 21% above the Mercer County, OH area-wide FMR of $1,008.
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 45898 sits in the Mercer County, OH area
Of the 18 ZIP codes HUD lists for the area, 45898 has the 2nd highest two-bedroom Small Area FMR. Mercer 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 $1,008 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,220 for this ZIP code instead.
ZIP code 45898 crosses more than one HUD area. HUD also lists it under Van Wert 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 | $940 | $846 – $1,034 | $762 | $810 |
| 1 bedroom | $970 | $873 – $1,067 | $807 | $850 |
| 2 bedrooms | $1,220 | $1,098 – $1,342 | $1,008 | $1,080 |
| 3 bedrooms | $1,530 | $1,377 – $1,683 | $1,258 | $1,370 |
| 4 bedrooms | $1,660 | $1,494 – $1,826 | $1,394 | $1,460 |
A household renting a two-bedroom home at the Small Area FMR of $1,220 needs about $48,800 a year to keep housing costs at 30% of income. The area median family income is $102,400 and the 80% low-income limit for four people is $81,900. ZIP code 45898 lies mainly in Van Wert County and Mercer County. See the Mercer 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 45898?
HUD's FY2027 Small Area Fair Market Rents for 45898 are $940 (studio), $970 (1 BR), $1,220 (2 BR), $1,530 (3 BR) and $1,660 (4 BR) a month.
What is the Section 8 payment standard in 45898?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 45898 that range is $1,098 to $1,342 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 45898?
The FY2026 income limits of the Mercer County, OH area apply: median family income $102,400, low-income (80%) limit $81,900 for a family of four.