Ottawa 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).

$1,2092-bedroom FMR, FY2027

$9241-bedroom FMR, FY2027

$82,15080% income limit, family of 4 (FY2026)

$102,700Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Ottawa County is $1,209 a month, up 9.3% from $1,106 in FY2026. Ottawa County belongs to the Ottawa County, 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 Ottawa County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$869	$807	+7.7%	$783 – $955
1 bedroom	$924	$843	+9.6%	$832 – $1,016
2 bedrooms	$1,209	$1,106	+9.3%	$1,089 – $1,329
3 bedrooms	$1,441	$1,326	+8.7%	$1,297 – $1,585
4 bedrooms	$1,923	$1,696	+13.4%	$1,731 – $2,115

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 Ottawa County that is typically $1,089 to $1,329 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?

$39,265median income of renter households

$930Median gross rent, all units

28%Rent-to-income ratio (median rent ÷ median renter income)

44%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $39,265 can afford about $982 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,209 is $227 (23.2%) more than that. To rent a two-bedroom at the FMR, a household needs $48,360 a year under the 30% rule, or $43,524 under the common landlord rule that income must be three times the rent.

Ottawa County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$930 ±$34
Median income of renter households	$39,265 ±$8,571
Renters paying 30% or more of income (cost-burdened)	43.8% ±5.7
Renters paying 50% or more (severely cost-burdened)	17.8% ±4.7
Renter households (where the share can be computed)	2,644

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$724	$930	+28.5%
Median renter household income	$31,775	$39,265	+23.6%
Renters paying 30%+ of income	42.9%	43.8%	+0.9 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 $1,280 depending on the ZIP code.

All 20 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
43408	$870	$930	$1,220	$1,510	$1,800
43412	$860	$900	$1,190	$1,480	$1,710
43416	$790	$840	$1,100	$1,310	$1,730
43420	$730	$860	$1,030	$1,270	$1,530
43430	$820	$870	$1,140	$1,370	$1,790
43432	$800	$850	$1,120	$1,340	$1,780
43433	$870	$920	$1,210	$1,440	$1,930
43436	$870	$920	$1,210	$1,440	$1,930
43439	$870	$920	$1,210	$1,440	$1,930
43440	$880	$930	$1,220	$1,450	$1,940
43442	$730	$840	$1,000	$1,230	$1,530
43445	$860	$920	$1,200	$1,450	$1,870
43446	$870	$920	$1,210	$1,440	$1,930
43447	$920	$980	$1,280	$1,620	$1,810
43449	$810	$860	$1,130	$1,350	$1,800
43452	$880	$940	$1,230	$1,470	$1,960
43456	$760	$810	$1,060	$1,260	$1,690
43458	$810	$860	$1,130	$1,350	$1,800
43468	$870	$920	$1,210	$1,480	$1,930
43469	$730	$830	$1,000	$1,250	$1,530

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

HUD income limits for Ottawa County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $102,700 (FY2025: $104,900, −2.1%). 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%)	$21,600 −2.0%	$24,650 −2.2%	$27,750 −2.1%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$35,950 −2.2%	$41,100 −2.1%	$46,250 −2.1%	$51,350 −2.1%	$55,500 −2.0%	$59,600 −2.1%	$63,700 −2.1%	$67,800 −2.1%
Low income (80%)	$57,550 −2.0%	$65,750 −2.1%	$73,950 −2.1%	$82,150 −2.1%	$88,750 −2.1%	$95,300 −2.1%	$101,900 −2.1%	$108,450 −2.1%

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.