Ohio · FIPS 39061 · HUD FY 2027
Hamilton County, Ohio Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Hamilton County is $1,442 a month (rent plus utilities), 13% above the Ohio average of $1,273 and 18% below the U.S. average of $1,761. That is up $89 (6.6%) from FY 2026. At 30% of income, a household needs about $57,680 a year to afford it.
- $1,4422-bedroom FMR+$89 (+6.6%) vs FY 2026
- $1,1281-bedroom FMROhio: $1,027 · U.S.: $1,478
- $57,680Income for a 2-bedroom$28/hour full-time
- 9 of 882BR rank in Ohio1 = highest rent
| Unit | Hamilton County FY 2027 | FY 2026 | Change | Ohio avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $1,052 | $958 | +$94 (+9.8%) | $948 | $1,379 | $42,080 |
| 1 bedroom | $1,128 | $1,051 | +$77 (+7.3%) | $1,027 | $1,478 | $45,120 |
| 2 bedrooms | $1,442 | $1,353 | +$89 (+6.6%) | $1,273 | $1,761 | $57,680 |
| 3 bedrooms | $1,897 | $1,785 | +$112 (+6.3%) | $1,603 | $2,266 | $75,880 |
| 4 bedrooms | $2,141 | $1,976 | +$165 (+8.4%) | $1,779 | $2,607 | $85,640 |
How Hamilton County compares
- HUD sets this rent for the Cincinnati, OH-KY-IN metro FMR area, which covers 2,178,423 residents in 12 counties.
- Across Ohio, 2-bedroom FMRs run from $1,003 (Williams County) to $1,607 (Union County).
- Studio to 4-bedroom: $1,052, $1,128, $1,442, $1,897, $2,141. HUD derives the other sizes from the 2-bedroom figure with fixed ratios, adjusted where local data warrant.
- HUD also publishes ZIP-level Small Area FMRs. For the 54 ZIP codes mostly in Hamilton County (by land area), the 2-bedroom figure ranges from $1,040 to $2,160.
Small Area FMRs by ZIP code in Hamilton County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 45001 | $790 | $850 | $1,090 | $1,430 | $1,620 | +$50 (+4.8%) | 24% below |
| 45002 | $1,040 | $1,120 | $1,430 | $1,880 | $2,120 | +$110 (+8.3%) | 1% below |
| 45030 | $1,070 | $1,150 | $1,470 | $1,930 | $2,180 | +$70 (+5.0%) | 2% above |
| 45033 | $1,040 | $1,120 | $1,430 | $1,880 | $2,120 | +$110 (+8.3%) | 1% below |
| 45041 | $1,040 | $1,120 | $1,430 | $1,880 | $2,120 | +$110 (+8.3%) | 1% below |
| 45051 | $930 | $990 | $1,270 | $1,670 | $1,890 | +$70 (+5.8%) | 12% below |
| 45052 | $1,070 | $1,150 | $1,470 | $1,930 | $2,180 | +$120 (+8.9%) | 2% above |
| 45111 | $1,580 | $1,690 | $2,160 | $2,840 | $3,210 | +$380 (+21.3%) | 50% above |
| 45174 | $1,300 | $1,430 | $1,830 | $2,420 | $2,670 | −$200 (−9.9%) | 27% above |
| 45202 | $1,580 | $1,690 | $2,160 | $2,840 | $3,210 | +$130 (+6.4%) | 50% above |
| 45203 | $880 | $940 | $1,200 | $1,580 | $1,780 | +$80 (+7.1%) | 17% below |
| 45204 | $820 | $880 | $1,120 | $1,470 | $1,660 | +$100 (+9.8%) | 22% below |
| 45205 | $900 | $960 | $1,230 | $1,620 | $1,830 | +$80 (+7.0%) | 15% below |
| 45206 | $960 | $1,030 | $1,310 | $1,720 | $1,940 | +$90 (+7.4%) | 9% below |
| 45207 | $960 | $1,030 | $1,310 | $1,720 | $1,940 | +$90 (+7.4%) | 9% below |
| 45208 | $1,280 | $1,380 | $1,760 | $2,320 | $2,610 | +$90 (+5.4%) | 22% above |
| 45209 | $1,370 | $1,470 | $1,880 | $2,470 | $2,790 | +$110 (+6.2%) | 30% above |
| 45211 | $880 | $950 | $1,210 | $1,590 | $1,800 | +$70 (+6.1%) | 16% below |
| 45212 | $1,040 | $1,120 | $1,430 | $1,880 | $2,120 | +$80 (+5.9%) | 1% below |
| 45213 | $960 | $1,030 | $1,310 | $1,720 | $1,940 | +$100 (+8.3%) | 9% below |
| 45214 | $830 | $890 | $1,140 | $1,500 | $1,690 | +$60 (+5.6%) | 21% below |
| 45215 | $1,000 | $1,070 | $1,370 | $1,800 | $2,030 | +$110 (+8.7%) | 5% below |
| 45216 | $930 | $1,000 | $1,280 | $1,680 | $1,900 | +$80 (+6.7%) | 11% below |
| 45217 | $900 | $960 | $1,230 | $1,620 | $1,830 | +$60 (+5.1%) | 15% below |
| 45218 | $980 | $1,060 | $1,350 | $1,780 | $2,000 | +$10 (+0.7%) | 6% below |
| 45219 | $1,270 | $1,360 | $1,740 | $2,290 | $2,580 | +$160 (+10.1%) | 21% above |
| 45220 | $1,070 | $1,150 | $1,470 | $1,930 | $2,180 | +$80 (+5.8%) | 2% above |
| 45223 | $900 | $960 | $1,230 | $1,620 | $1,830 | +$50 (+4.2%) | 15% below |
| 45224 | $890 | $950 | $1,220 | $1,610 | $1,810 | +$90 (+8.0%) | 15% below |
| 45225 | $830 | $890 | $1,140 | $1,500 | $1,690 | +$110 (+10.7%) | 21% below |
| 45226 | $1,180 | $1,270 | $1,620 | $2,130 | $2,410 | +$100 (+6.6%) | 12% above |
| 45227 | $1,170 | $1,260 | $1,610 | $2,120 | $2,390 | +$70 (+4.5%) | 12% above |
| 45229 | $870 | $930 | $1,190 | $1,570 | $1,770 | +$70 (+6.2%) | 17% below |
| 45230 | $940 | $1,010 | $1,290 | $1,700 | $1,920 | +$80 (+6.6%) | 11% below |
| 45231 | $1,160 | $1,240 | $1,590 | $2,090 | $2,360 | +$130 (+8.9%) | 10% above |
| 45232 | $760 | $810 | $1,040 | $1,370 | $1,540 | +$60 (+6.1%) | 28% below |
| 45233 | $890 | $950 | $1,220 | $1,610 | $1,810 | −$10 (−0.8%) | 15% below |
| 45236 | $1,120 | $1,210 | $1,540 | $2,030 | $2,290 | +$180 (+13.2%) | 7% above |
| 45237 | $880 | $940 | $1,200 | $1,580 | $1,780 | +$40 (+3.4%) | 17% below |
| 45238 | $930 | $1,000 | $1,280 | $1,680 | $1,900 | +$60 (+4.9%) | 11% below |
| 45239 | $960 | $1,030 | $1,310 | $1,720 | $1,940 | +$80 (+6.5%) | 9% below |
| 45240 | $1,200 | $1,290 | $1,650 | $2,170 | $2,450 | +$120 (+7.8%) | 14% above |
| 45241 | $1,120 | $1,210 | $1,540 | $2,030 | $2,290 | +$50 (+3.4%) | 7% above |
| 45242 | $1,580 | $1,690 | $2,160 | $2,840 | $3,210 | +$130 (+6.4%) | 50% above |
| 45243 | $1,580 | $1,690 | $2,160 | $2,840 | $3,210 | +$130 (+6.4%) | 50% above |
| 45244 | $1,070 | $1,150 | $1,470 | $1,930 | $2,180 | +$100 (+7.3%) | 2% above |
| 45246 | $1,210 | $1,300 | $1,660 | $2,180 | $2,460 | +$60 (+3.8%) | 15% above |
| 45247 | $1,020 | $1,100 | $1,400 | $1,840 | $2,080 | +$80 (+6.1%) | 3% below |
| 45248 | $1,020 | $1,100 | $1,400 | $1,840 | $2,080 | +$30 (+2.2%) | 3% below |
| 45249 | $1,390 | $1,490 | $1,910 | $2,510 | $2,840 | +$80 (+4.4%) | 32% above |
| 45251 | $1,280 | $1,370 | $1,750 | $2,300 | $2,600 | +$120 (+7.4%) | 21% above |
| 45252 | $920 | $990 | $1,260 | $1,660 | $1,870 | no change | 13% below |
| 45255 | $1,240 | $1,330 | $1,700 | $2,240 | $2,520 | +$130 (+8.3%) | 18% above |
| 45267 | $1,080 | $1,150 | $1,480 | $1,940 | $2,190 | +$110 (+8.0%) | 3% above |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
- ZIP-to-county assignment: Census Bureau 2020 ZCTA-to-county relationship file (file dated December 9, 2021), largest land-area overlap.
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.