Ohio · FIPS 39113 · HUD FY 2027
Montgomery County, Ohio Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Montgomery County is $1,248 a month (rent plus utilities), 2% below the Ohio average of $1,273 and 29% below the U.S. average of $1,761. That is down $25 (2.0%) from FY 2026. At 30% of income, a household needs about $49,920 a year to afford it.
- $1,2482-bedroom FMR−$25 (−2.0%) vs FY 2026
- $1,0081-bedroom FMROhio: $1,027 · U.S.: $1,478
- $49,920Income for a 2-bedroom$24/hour full-time
- 18 of 882BR rank in Ohio1 = highest rent
| Unit | Montgomery County FY 2027 | FY 2026 | Change | Ohio avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $909 | $928 | −$19 (−2.0%) | $948 | $1,379 | $36,360 |
| 1 bedroom | $1,008 | $1,009 | −$1 (−0.1%) | $1,027 | $1,478 | $40,320 |
| 2 bedrooms | $1,248 | $1,273 | −$25 (−2.0%) | $1,273 | $1,761 | $49,920 |
| 3 bedrooms | $1,623 | $1,651 | −$28 (−1.7%) | $1,603 | $2,266 | $64,920 |
| 4 bedrooms | $1,774 | $1,817 | −$43 (−2.4%) | $1,779 | $2,607 | $70,960 |
How Montgomery County compares
- HUD sets this rent for the Dayton-Kettering-Beavercreek, OH metro FMR area, which covers 816,080 residents in 3 counties.
- Across Ohio, 2-bedroom FMRs run from $1,003 (Williams County) to $1,607 (Union County).
- Studio to 4-bedroom: $909, $1,008, $1,248, $1,623, $1,774. 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 32 ZIP codes mostly in Montgomery County (by land area), the 2-bedroom figure ranges from $1,000 to $1,600.
Small Area FMRs by ZIP code in Montgomery County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 45309 | $880 | $970 | $1,200 | $1,560 | $1,700 | −$30 (−2.4%) | 4% below |
| 45315 | $820 | $900 | $1,120 | $1,460 | $1,590 | −$80 (−6.7%) | 10% below |
| 45322 | $940 | $1,040 | $1,290 | $1,680 | $1,830 | −$50 (−3.7%) | 3% above |
| 45325 | $950 | $1,060 | $1,310 | $1,700 | $1,860 | −$70 (−5.1%) | 5% above |
| 45327 | $840 | $930 | $1,150 | $1,500 | $1,640 | −$30 (−2.5%) | 8% below |
| 45342 | $1,120 | $1,240 | $1,540 | $2,000 | $2,190 | no change | 23% above |
| 45345 | $760 | $840 | $1,040 | $1,350 | $1,480 | −$30 (−2.8%) | 17% below |
| 45354 | $960 | $1,040 | $1,320 | $1,710 | $1,880 | −$140 (−9.6%) | 6% above |
| 45377 | $790 | $870 | $1,080 | $1,400 | $1,540 | −$20 (−1.8%) | 13% below |
| 45402 | $980 | $1,090 | $1,350 | $1,760 | $1,920 | +$10 (+0.7%) | 8% above |
| 45403 | $730 | $810 | $1,000 | $1,300 | $1,430 | +$10 (+1.0%) | 20% below |
| 45404 | $850 | $940 | $1,160 | $1,510 | $1,650 | −$50 (−4.1%) | 7% below |
| 45405 | $790 | $870 | $1,080 | $1,400 | $1,540 | +$10 (+0.9%) | 13% below |
| 45406 | $820 | $910 | $1,130 | $1,470 | $1,610 | −$30 (−2.6%) | 9% below |
| 45409 | $970 | $1,070 | $1,330 | $1,730 | $1,890 | −$110 (−7.6%) | 7% above |
| 45410 | $900 | $990 | $1,230 | $1,600 | $1,750 | −$20 (−1.6%) | 1% below |
| 45414 | $810 | $900 | $1,110 | $1,440 | $1,580 | −$60 (−5.1%) | 11% below |
| 45415 | $840 | $930 | $1,150 | $1,500 | $1,630 | −$40 (−3.4%) | 8% below |
| 45416 | $1,030 | $1,150 | $1,420 | $1,850 | $2,020 | −$60 (−4.1%) | 14% above |
| 45417 | $840 | $930 | $1,150 | $1,500 | $1,630 | −$20 (−1.7%) | 8% below |
| 45419 | $870 | $970 | $1,200 | $1,560 | $1,710 | −$10 (−0.8%) | 4% below |
| 45420 | $910 | $1,010 | $1,250 | $1,630 | $1,780 | −$20 (−1.6%) | about the same as |
| 45423 | $900 | $990 | $1,230 | $1,600 | $1,750 | −$20 (−1.6%) | 1% below |
| 45424 | $1,000 | $1,110 | $1,370 | $1,780 | $1,950 | −$30 (−2.1%) | 10% above |
| 45426 | $850 | $940 | $1,170 | $1,520 | $1,660 | −$10 (−0.8%) | 6% below |
| 45428 | $840 | $930 | $1,150 | $1,500 | $1,630 | −$20 (−1.7%) | 8% below |
| 45429 | $930 | $1,030 | $1,280 | $1,670 | $1,820 | −$10 (−0.8%) | 3% above |
| 45439 | $910 | $1,010 | $1,250 | $1,630 | $1,780 | −$10 (−0.8%) | about the same as |
| 45449 | $930 | $1,030 | $1,270 | $1,650 | $1,810 | −$30 (−2.3%) | 2% above |
| 45458 | $1,160 | $1,280 | $1,600 | $2,080 | $2,280 | −$10 (−0.6%) | 28% above |
| 45459 | $1,060 | $1,180 | $1,460 | $1,900 | $2,080 | −$30 (−2.0%) | 17% above |
| 45469 | $970 | $1,070 | $1,330 | $1,730 | $1,890 | −$110 (−7.6%) | 7% 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.