Cincinnati, OH: Fair Market Rent by ZIP Code (FY2027)
ZIP-level rents for Cincinnati in Hamilton County, effective October 1, 2026.
Data: HUD FY2027 Small Area FMRs (effective October 1, 2026), Census ACS 5-Year 2020–2024. Spot-checked against the official sources on November 5, 2026 (results). Last site change: November 10, 2026 (changelog).
Cincinnati is in Hamilton County. HUD sets one Fair Market Rent for the whole Cincinnati, OH-KY-IN area, $1,442 for two bedrooms in FY2027. Bedroom sizes, Section 8 payment standards and income limits for the county are on the Hamilton County fair market rent page. This page shows what differs inside Cincinnati: the ZIP-level rents HUD publishes for metro areas and Census figures for the city itself.
Cincinnati fair market rent by ZIP code (FY2027)
The two-bedroom Small Area FMR runs from $1,040 (ZIP 45232) to $2,160 (ZIP 45202), 50% above the area FMR. 8 of 25 ZIP codes are above the area figure, 17 below it.
| ZIP | 0 BR | 1 BR | 2 BR | 3 BR | 4 BR | 2 BR vs area FMR |
|---|---|---|---|---|---|---|
| 45202 | $1,580 | $1,690 | $2,160 | $2,840 | $3,210 | +50% |
| 45203 | $880 | $940 | $1,200 | $1,580 | $1,780 | −17% |
| 45204 | $820 | $880 | $1,120 | $1,470 | $1,660 | −22% |
| 45205 | $900 | $960 | $1,230 | $1,620 | $1,830 | −15% |
| 45206 | $960 | $1,030 | $1,310 | $1,720 | $1,940 | −9% |
| 45207 | $960 | $1,030 | $1,310 | $1,720 | $1,940 | −9% |
| 45208 | $1,280 | $1,380 | $1,760 | $2,320 | $2,610 | +22% |
| 45209 | $1,370 | $1,470 | $1,880 | $2,470 | $2,790 | +30% |
| 45211 | $880 | $950 | $1,210 | $1,590 | $1,800 | −16% |
| 45213 | $960 | $1,030 | $1,310 | $1,720 | $1,940 | −9% |
| 45214 | $830 | $890 | $1,140 | $1,500 | $1,690 | −21% |
| 45216 | $930 | $1,000 | $1,280 | $1,680 | $1,900 | −11% |
| 45219 | $1,270 | $1,360 | $1,740 | $2,290 | $2,580 | +21% |
| 45220 | $1,070 | $1,150 | $1,470 | $1,930 | $2,180 | +2% |
| 45223 | $900 | $960 | $1,230 | $1,620 | $1,830 | −15% |
| 45224 | $890 | $950 | $1,220 | $1,610 | $1,810 | −15% |
| 45225 | $830 | $890 | $1,140 | $1,500 | $1,690 | −21% |
| 45226 | $1,180 | $1,270 | $1,620 | $2,130 | $2,410 | +12% |
| 45227 | $1,170 | $1,260 | $1,610 | $2,120 | $2,390 | +12% |
| 45229 | $870 | $930 | $1,190 | $1,570 | $1,770 | −17% |
| 45230 | $940 | $1,010 | $1,290 | $1,700 | $1,920 | −11% |
| 45232 | $760 | $810 | $1,040 | $1,370 | $1,540 | −28% |
| 45237 | $880 | $940 | $1,200 | $1,580 | $1,780 | −17% |
| 45238 | $930 | $1,000 | $1,280 | $1,680 | $1,900 | −11% |
| 45267 | $1,080 | $1,150 | $1,480 | $1,940 | $2,190 | +3% |
ZIP codes with at least 30% of their land area inside Cincinnati (Census 2020 ZIP code tabulation areas). Mail ZIP codes and ZCTAs can differ slightly at the edges.
Source: HUD FY2027 Small Area FMRs (effective October 1, 2026, claims ledger), how SAFMRs work.
Rent in Cincinnati compared with Hamilton County
The median gross rent in Cincinnati is $1,001 a month (±$20), 7% lower than in Hamilton County as a whole ($1,075). Renter households in Cincinnati earn a median $36,840 a year (±$1,298), against $41,891 county-wide. The typical rent takes 33% of the typical renter income, and 50% of renters pay 30% or more of their income on rent.
Source: Census Bureau, American Community Survey 5-Year 2020–2024 (tables B25064, B25119, B25070), place and county level.
Section 8 in Cincinnati
Where the housing authority uses ZIP-level figures, the voucher payment standard is normally 90% to 110% of the ZIP's Small Area FMR: for a two-bedroom unit in Cincinnati that is about $936 to $2,376 depending on the ZIP code. Otherwise the county-wide FMR applies. See payment standards and income limits for Hamilton County or estimate the tenant share with the Section 8 calculator.