Section 8 Rent in ZIP 45410
FY2027 Fair Market Rent for ZIP 45410 in Montgomery County, Ohio: HUD rent benchmarks by bedroom size, an illustrative percentage range, the housing authorities that administer vouchers here, and whether a landlord can legally decline a voucher in Ohio.
What does the HUD rent benchmark measure in ZIP 45410?
HUD's Fair Market Rents estimate 40th-percentile gross rents for standard-quality units occupied by recent movers. Small Area FMRs provide ZIP-level estimates. These are not arithmetic average asking rents or approved voucher payments. For FY2027, that benchmark is $990 for a one-bedroom and $1,230 for a two-bedroom in ZIP 45410. Actual asking rents and adopted agency payment standards can differ. The full HUD benchmark table is above.
What changed from FY2026 to FY2027 in ZIP 45410
HUD's two-bedroom Fair Market Rent for ZIP 45410 fell from $1,250 in FY2026 to $1,230 in FY2027, a change of -$20 a month (-1.6%). FY2027 figures took effect on October 1, 2026.
| Bedrooms | FY2026 | FY2027 | Change |
|---|---|---|---|
| Efficiency (studio) | $910 | $900 | -$10 (-1.1%) |
| 1-bedroom | $990 | $990 | $0 (0%) |
| 2-bedroom | $1,250 | $1,230 | -$20 (-1.6%) |
| 3-bedroom | $1,620 | $1,600 | -$20 (-1.2%) |
| 4-bedroom | $1,780 | $1,750 | -$30 (-1.7%) |
The FMR is not what the voucher pays. Each housing authority sets its own payment standard. The basic range is 90% to 110% of the applicable FMR or SAFMR, with exceptions and Moving to Work policies that may differ. A HUD effective date is not a household rent-change notice. Confirm the adopted schedule and its application to your lease or reexamination with your agency.
Already renting with a voucher in ZIP 45410? Under standard HCV rules, a lower payment standard does not cut your subsidy right away. Moving to Work agencies may use different policies. The housing authority may keep your current payment standard for as long as you stay in the same unit. If it decides to lower it, the reduction cannot start sooner than two years after the decrease takes effect, and only after it sends you the required notice (24 CFR 982.505(c)(3)). Families who are new to the program, or who move to a different unit, get the schedule in effect at that time.
Source: HUD Fair Market Rents, FY2026 and FY2027, huduser.gov.
Illustration: 90% to 110% of the HUD benchmark (2 BR)
These percentages illustrate the basic payment-standard range, not a verified agency schedule. ZIP-based policies, approved exceptions and Moving to Work rules can differ.
Gross rent includes the applicable allowance for tenant-paid utilities. Ask your administering agency for the adopted standard and household affordability calculation; neither the HUD benchmark nor this illustration is a lease approval.
ZIP vs county FMR (2 BR)
ZIP 45410 at $1,230 is $18 lower than the Montgomery County county-wide 2 BR FMR of $1,248. The difference describes HUD benchmarks, not a reduction in your voucher. Confirm the applicable schedule with the agency administering your assistance.
Can a landlord refuse Section 8 in ZIP 45410?
In most of the state, yes. Ohio has no statewide source-of-income protection, so landlords in ZIP 45410 can decline Section 8 applications unless a local ordinance says otherwise.
No statewide source-of-income law (Ohio Civil Rights Act, R.C. 4112.02(H), does not cover vouchers)
Ohio has no statewide source-of-income protection, so outside the cities with their own ordinance a landlord can decline a voucher applicant. Akron, Cincinnati, Cleveland Heights, Columbus, Dayton, South Euclid, Toledo and University Heights have local ordinances. Ohio HB 430 (2022) bars local rent control; it does not mention source-of-income ordinances, and Dayton adopted its ordinance in 2023, after HB 430. The U.S. Commission on Civil Rights Ohio Advisory Committee (2024) documented widespread source-of-income discrimination in the state. PRRAC Appendix B (March 2026).
View statute →Informational only, not legal advice. Laws change, so verify current status before acting on a rejection or making a leasing decision.
Housing authorities serving Montgomery County
Greater Dayton Premier Management
Dayton · PHA code OH005
4,905 Section 8 units
These agencies are listed for the county. Confirm jurisdiction for the exact address and, if you already have a voucher, which agency will administer the proposed move.
Frequently asked questions
- How much does Section 8 pay for a 2-bedroom in ZIP 45410?
- For ZIP 45410 in Montgomery County, OH, the FY2027 two-bedroom Fair Market Rent is $1,230 per month. For illustration, 90% to 110% of this HUD benchmark is roughly $1,105 to $1,355. This modeled range is not the agency's adopted schedule. The agency calculates assistance using its applicable standard, household income and unit details; gross rent includes the allowance for tenant-paid utilities.
- What are the FY2027 HUD rent benchmarks for ZIP 45410?
- HUD's FY2027 Fair Market Rent for ZIP 45410, by bedroom size: studio $900, 1-bedroom $990, 2-bedroom $1,230, 3-bedroom $1,600, 4-bedroom $1,750. A ZIP benchmark helps compare locations but does not establish what a voucher pays. The administering agency's adopted schedule, program rules and household calculation determine assistance.
- Which housing authority covers ZIP 45410?
- Agencies listed for Montgomery County include Greater Dayton Premier Management. This county directory does not establish jurisdiction for every address. Check the agency on your voucher or application and confirm who would administer assistance at the proposed unit.
Find Section 8 apartments in ZIP 45410
VoucherMatch connects voucher holders with landlords who accept Section 8, and it is free for renters. The administering housing authority must approve the actual unit, rent and household assistance calculation.
Landlord and investor tools for Montgomery County
RentalCalcsFree calculators and guides from RentalCalcs, built by the VoucherMatch team, for landlords deciding whether to accept vouchers.
- Montgomery County rental market dataRents, home prices, cap rates and cash flow estimates for investors.
- Section 8 rent analyzerHUD rent benchmarks and modeled comparisons for Ohio ZIP codes. Confirm adopted amounts with the agency.
- Compare HUD benchmarks with market rent in OhioExplore modeled ZIP comparisons; these do not establish an approved rent or agency payment.
- Average rent in OhioMarket rent versus HUD fair market rent by city and bedroom count.
- How Section 8 rent is calculatedFair market rent, payment standards and rent reasonableness, step by step.
- Section 8 landlord math for 2026What the payment standard changes mean for cash flow this year.
SAFMR data published by HUD for FY2027. ZIP 45410 maps to Montgomery County, OH · FIPS 39113. Investors can run these numbers in the RentalCalcs voucher analyzer.