Lorain County, OH: Fair Market Rent 2027 and Income Limits

Official HUD figures for landlords and renters, effective October 1, 2026 (rents) and May 1, 2026 (income limits).

$1,2742-bedroom FMR, FY2027

$1,0501-bedroom FMR, FY2027

$84,00080% income limit, family of 4 (FY2026)

$105,000Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Lorain County is $1,274 a month, down 0.4% from $1,279 in FY2026. Lorain County belongs to the Cleveland, OH HUD Metro FMR Area FMR area, so the same figures apply across that area. FMRs are gross rents: rent plus all tenant-paid utilities except phone, cable and internet.

Fair market rent in Lorain County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$924	$933	−1.0%	$832 – $1,016
1 bedroom	$1,050	$1,058	−0.8%	$945 – $1,155
2 bedrooms	$1,274	$1,279	−0.4%	$1,147 – $1,401
3 bedrooms	$1,628	$1,646	−1.1%	$1,466 – $1,790
4 bedrooms	$1,756	$1,760	−0.2%	$1,581 – $1,931

Source: HUD Fair Market Rents FY2027 (effective October 1, 2026) and FY2026 (revised file), details.

What can a landlord charge a Section 8 tenant here?

The FMR is not a cap on what you can ask on the open market. For a Housing Choice Voucher tenant, the local housing authority sets a payment standard, normally between 90% and 110% of the FMR (or of the ZIP-level Small Area FMR where those apply). For a two-bedroom unit in Lorain County that is typically $1,147 to $1,401 including utilities. You can charge more than the payment standard if the rent passes the housing authority's rent-reasonableness test and, at move-in, the tenant's share stays within 40% of their adjusted monthly income. Ask the housing authority for its current payment standard schedule.

Can local renters afford the fair market rent?

$40,357median income of renter households

$966Median gross rent, all units

29%Rent-to-income ratio (median rent ÷ median renter income)

47%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $40,357 can afford about $1,009 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,274 is $265 (26.3%) more than that. To rent a two-bedroom at the FMR, a household needs $50,960 a year under the 30% rule, or $45,864 under the common landlord rule that income must be three times the rent.

Lorain County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$966 ±$21
Median income of renter households	$40,357 ±$1,976
Renters paying 30% or more of income (cost-burdened)	47.3% ±2.6
Renters paying 50% or more (severely cost-burdened)	25.9% ±2.1
Renter households (where the share can be computed)	30,793

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$774	$966	+24.8%
Median renter household income	$29,200	$40,357	+38.2%
Renters paying 30%+ of income	49.9%	47.3%	−2.6 pts

Rent-to-income calculator: does an applicant qualify? → · Most affordable counties to rent in this state →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates 2020–2024 and 2015–2019 (tables B25064, B25119, B25070). ± = margin of error at 90% confidence. Dollar figures are not adjusted for inflation.

Small Area FMRs by ZIP code (FY2027)

In metro areas HUD also publishes ZIP-level Small Area Fair Market Rents. Housing authorities in designated areas must use them for voucher payment standards; others may opt in. Here the two-bedroom SAFMR ranges from $1,000 to $1,910 depending on the ZIP code.

All 126 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
44001	$860	$980	$1,190	$1,520	$1,640
44011	$1,330	$1,520	$1,840	$2,350	$2,540
44012	$1,340	$1,530	$1,850	$2,360	$2,550
44017	$920	$1,050	$1,270	$1,620	$1,750
44021	$830	$950	$1,150	$1,470	$1,580
44022	$1,330	$1,510	$1,830	$2,340	$2,520
44023	$1,390	$1,570	$1,910	$2,440	$2,630
44024	$970	$1,100	$1,340	$1,710	$1,850
44026	$1,110	$1,260	$1,530	$1,960	$2,110
44028	$1,360	$1,540	$1,870	$2,390	$2,580
44033	$910	$1,030	$1,250	$1,600	$1,720
44035	$830	$950	$1,150	$1,470	$1,580
44036	$850	$960	$1,170	$1,500	$1,610
44039	$950	$1,080	$1,310	$1,670	$1,810
44040	$1,390	$1,570	$1,910	$2,440	$2,630
44041	$700	$810	$1,000	$1,230	$1,400
44044	$930	$1,060	$1,280	$1,640	$1,760
44045	$860	$980	$1,190	$1,520	$1,640
44046	$770	$870	$1,060	$1,350	$1,460
44049	$830	$940	$1,140	$1,460	$1,570
44050	$920	$1,050	$1,270	$1,620	$1,750
44052	$820	$930	$1,130	$1,440	$1,560
44053	$770	$870	$1,060	$1,350	$1,460
44054	$950	$1,080	$1,310	$1,670	$1,810
44055	$810	$920	$1,110	$1,420	$1,530
44057	$950	$1,080	$1,310	$1,670	$1,810
44060	$1,040	$1,180	$1,430	$1,830	$1,970
44061	$960	$1,090	$1,320	$1,690	$1,820
44062	$740	$830	$1,010	$1,290	$1,390
44064	$940	$1,060	$1,290	$1,650	$1,780
44065	$750	$860	$1,040	$1,330	$1,430
44070	$970	$1,100	$1,340	$1,710	$1,850
44072	$1,330	$1,510	$1,830	$2,340	$2,520
44074	$830	$940	$1,140	$1,460	$1,570
44077	$890	$1,010	$1,230	$1,570	$1,690
44080	$780	$860	$1,070	$1,340	$1,450
44081	$760	$870	$1,050	$1,340	$1,450
44086	$910	$1,040	$1,260	$1,610	$1,740
44089	$1,040	$1,130	$1,390	$1,760	$1,930
44090	$730	$830	$1,010	$1,290	$1,390
44092	$940	$1,060	$1,290	$1,650	$1,780
44094	$1,040	$1,190	$1,440	$1,840	$1,980
44095	$870	$990	$1,200	$1,530	$1,650
44096	$960	$1,090	$1,320	$1,690	$1,820
44099	$740	$840	$1,030	$1,300	$1,430
44101	$1,220	$1,390	$1,680	$2,150	$2,320
44102	$830	$950	$1,150	$1,470	$1,580
44103	$780	$890	$1,080	$1,380	$1,490
44104	$730	$830	$1,000	$1,280	$1,380
44105	$780	$880	$1,070	$1,370	$1,470
44106	$1,040	$1,180	$1,430	$1,830	$1,970
44107	$990	$1,130	$1,370	$1,750	$1,890
44108	$850	$960	$1,170	$1,500	$1,610
44109	$780	$890	$1,080	$1,380	$1,490
44110	$800	$910	$1,100	$1,410	$1,520
44111	$860	$970	$1,180	$1,510	$1,630
44112	$780	$880	$1,070	$1,370	$1,470
44113	$1,390	$1,570	$1,910	$2,440	$2,630
44114	$1,270	$1,440	$1,750	$2,240	$2,410
44115	$1,180	$1,340	$1,630	$2,080	$2,250
44116	$1,010	$1,150	$1,390	$1,780	$1,920
44117	$770	$870	$1,060	$1,350	$1,460
44118	$1,100	$1,250	$1,520	$1,940	$2,090
44119	$850	$960	$1,170	$1,500	$1,610
44120	$880	$1,000	$1,210	$1,550	$1,670
44121	$1,020	$1,160	$1,410	$1,800	$1,940
44122	$1,340	$1,530	$1,850	$2,360	$2,550
44123	$910	$1,030	$1,250	$1,600	$1,720
44124	$1,070	$1,210	$1,470	$1,880	$2,030
44125	$990	$1,130	$1,370	$1,750	$1,890
44126	$870	$990	$1,200	$1,530	$1,650
44127	$730	$830	$1,000	$1,280	$1,380
44128	$880	$1,010	$1,220	$1,560	$1,680
44129	$900	$1,020	$1,240	$1,580	$1,710
44130	$1,000	$1,140	$1,380	$1,760	$1,900
44131	$1,260	$1,430	$1,740	$2,220	$2,400
44132	$930	$1,060	$1,280	$1,640	$1,760
44133	$950	$1,080	$1,310	$1,670	$1,810
44134	$990	$1,130	$1,370	$1,750	$1,890
44135	$930	$1,060	$1,280	$1,640	$1,760
44136	$1,080	$1,230	$1,490	$1,900	$2,050
44137	$1,160	$1,320	$1,600	$2,040	$2,200
44138	$1,080	$1,230	$1,490	$1,900	$2,050
44139	$1,330	$1,520	$1,840	$2,350	$2,540
44140	$1,270	$1,450	$1,750	$2,240	$2,420
44141	$1,160	$1,310	$1,590	$2,040	$2,180
44142	$970	$1,100	$1,340	$1,710	$1,850
44143	$850	$960	$1,170	$1,500	$1,610
44144	$830	$940	$1,140	$1,460	$1,570
44145	$1,280	$1,460	$1,770	$2,260	$2,440
44146	$890	$1,010	$1,230	$1,570	$1,690
44147	$950	$1,080	$1,310	$1,670	$1,810
44149	$1,120	$1,280	$1,550	$1,980	$2,140
44181	$930	$1,060	$1,280	$1,640	$1,760
44199	$930	$1,060	$1,280	$1,640	$1,760
44202	$1,330	$1,430	$1,850	$2,220	$2,430
44203	$780	$840	$1,090	$1,310	$1,430
44212	$1,050	$1,200	$1,450	$1,850	$2,000
44214	$790	$890	$1,130	$1,370	$1,590
44215	$960	$1,100	$1,330	$1,700	$1,830
44217	$780	$870	$1,110	$1,350	$1,560
44230	$720	$810	$1,030	$1,250	$1,460
44231	$750	$810	$1,040	$1,260	$1,380
44233	$850	$960	$1,170	$1,500	$1,610
44234	$800	$870	$1,110	$1,350	$1,480
44235	$830	$940	$1,150	$1,460	$1,610
44251	$1,260	$1,440	$1,730	$2,230	$2,380
44253	$910	$1,040	$1,260	$1,610	$1,740
44254	$780	$890	$1,080	$1,380	$1,490
44256	$980	$1,110	$1,350	$1,730	$1,860
44258	$980	$1,110	$1,350	$1,730	$1,860
44270	$720	$810	$1,030	$1,250	$1,450
44273	$830	$950	$1,150	$1,470	$1,590
44274	$910	$1,030	$1,250	$1,600	$1,720
44275	$1,010	$1,150	$1,390	$1,780	$1,920
44280	$1,390	$1,570	$1,910	$2,440	$2,630
44281	$910	$1,030	$1,250	$1,600	$1,720
44282	$980	$1,110	$1,350	$1,730	$1,860
44287	$720	$810	$1,000	$1,260	$1,420
44321	$1,220	$1,310	$1,690	$2,020	$2,220
44333	$1,000	$1,080	$1,390	$1,670	$1,830
44491	$790	$850	$1,060	$1,360	$1,450
44851	$780	$790	$1,000	$1,260	$1,520
44859	$780	$820	$1,020	$1,320	$1,520
44880	$810	$890	$1,080	$1,390	$1,560
44889	$970	$1,000	$1,260	$1,580	$1,860

Source: HUD FY2027 Small Area FMRs (effective October 1, 2026).

HUD income limits for Lorain County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $105,000 (FY2025: $99,400, +5.6%). Small figures under each limit show the change from FY2025.

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Extremely low income (30%)	$22,050 +5.5%	$25,200 +5.7%	$28,350 +5.6%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$36,750 +5.6%	$42,000 +5.5%	$47,250 +5.6%	$52,500 +5.6%	$56,700 +5.6%	$60,900 +5.5%	$65,100 +5.6%	$69,300 +5.6%
Low income (80%)	$58,800 +5.7%	$67,200 +5.7%	$75,600 +5.7%	$84,000 +5.7%	$90,750 +5.6%	$97,450 +5.6%	$104,200 +5.7%	$110,900 +5.7%

The 30% limit is HUD's “extremely low income” limit: the higher of 30% of median income or the federal poverty guideline, but never above the 50% limit. That is why it can rise faster than 30% of median for larger households. Tax-credit (LIHTC) properties use separate Multifamily Tax Subsidy Project limits.

Source: HUD Section 8 Income Limits FY2026 (effective May 1, 2026) and FY2025, details.