HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Lucas County, Ohio (FY 2026)
$1,076 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Lucas County, and it's the baseline every voucher in Lucas is measured against.
2 bedroom FMR
$1,076
FY 2026, utilities included
Payment standard range
$968 to $1,184
90% to 110% of FMR
Income to afford 2BR
$43,040
per year, at 30% of income
Rank in Ohio
33rd of 88
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Lucas moves to $1,145. That's up 6%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Lucas actually rent for?
Search any address in Lucas for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $769 | $692 to $846 | $30,760 | $14.79/hr | +3.2% |
| 1 bedroom | $820 | $738 to $902 | $32,800 | $15.77/hr | +1.9% |
| 2 bedroom | $1,076 | $968 to $1,184 | $43,040 | $20.69/hr | +1.9% |
| 3 bedroom | $1,380 | $1,242 to $1,518 | $55,200 | $26.54/hr | +0.7% |
| 4 bedroom | $1,454 | $1,309 to $1,599 | $58,160 | $27.96/hr | +1.0% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $1,672 | $1,505 to $1,839 |
| 6 bedroom Estimate | $1,890 | $1,701 to $2,079 |
| 7 bedroom Estimate | $2,108 | $1,897 to $2,319 |
| 8 bedroom Estimate | $2,326 | $2,093 to $2,559 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Lucas, that runs from $769 for a studio up to $1,454 for four bedrooms, all five rates in the table above.
This is a metro rate. The county doesn't get one of its own. HUD lumps Lucas in with 2 other counties in the Toledo metro, Wood County, Fulton County among them, and every one of them gets $1,076 for a two-bedroom. Where you are inside the metro doesn't change the county number. It does change the ZIP number, covered below.
Among Ohio's 88 counties, Lucas ranks 33rd for two-bedroom FMR. That's about 6% above the state median of $1,016 and about 6% above the national median county at $1,018. About 430,014 people live here, 6th in the state.
Counties sharing the Toledo metro rate
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $970 in 43604 (Toledo) and $1,510 in 43566 (Waterville), with the 26 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 43405 | Toledo | $1,076County rate | — |
| 43434 | Harbor View | $1,080 | +0.4% |
| 43504 | Berkey | $1,170 | +8.7% |
| 43528 | Holland | $1,270 | +18.0% |
| 43537 | Maumee | $1,150 | +6.9% |
| 43542 | Monclova | $1,150 | +6.9% |
| 43547 | Neapolis | $1,090 | +1.3% |
| 43560 | Sylvania | $1,220 | +13.4% |
| 43566 | Waterville | $1,510 | +40.3% |
| 43571 | Whitehouse | $1,030 | -4.3% |
| 43601 | Toledo | $1,076County rate | — |
| 43603 | Toledo | $1,076County rate | — |
| 43604 | Toledo | $970 | -9.9% |
| 43605 | Toledo | $1,080 | +0.4% |
| 43606 | Toledo | $1,070 | -0.6% |
| 43607 | Toledo | $1,030 | -4.3% |
| 43608 | Toledo | $970 | -9.9% |
| 43609 | Toledo | $1,100 | +2.2% |
| 43610 | Toledo | $1,010 | -6.1% |
| 43611 | Toledo | $1,020 | -5.2% |
| 43612 | Toledo | $1,130 | +5.0% |
| 43613 | Toledo | $1,060 | -1.5% |
| 43614 | Toledo | $1,010 | -6.1% |
| 43615 | Toledo | $1,190 | +10.6% |
| 43616 | Oregon | $1,020 | -5.2% |
| 43617 | Toledo | $1,220 | +13.4% |
| 43620 | Toledo | $970 | -9.9% |
| 43623 | Toledo | $1,060 | -1.5% |
| 43635 | Toledo | $1,080 | +0.4% |
| 43652 | Toledo | $1,076County rate | — |
| 43654 | Toledo | $1,076County rate | — |
| 43656 | Toledo | $1,076County rate | — |
| 43657 | Toledo | $1,076County rate | — |
| 43659 | Toledo | $1,076County rate | — |
| 43660 | Toledo | $1,076County rate | — |
| 43661 | Toledo | $1,076County rate | — |
| 43666 | Toledo | $1,076County rate | — |
| 43667 | Toledo | $1,076County rate | — |
| 43681 | Toledo | $1,076County rate | — |
| 43682 | Toledo | $1,076County rate | — |
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Lucas somewhere between $968 and $1,184. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,076 a month is affordable, by HUD's 30% rule, on an income of roughly $43,040 a year. Put another way, $21 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($968) | HAP at 100% ($1,076) | HAP at 110% ($1,184) |
|---|---|---|---|---|
| $2,500 | $750 | $218 | $326 | $434 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 2% from FY 2025 ($1,056) to FY 2026 ($1,076). Since FY 2020 it's up 40% in total, about 5.8% a year. The Ohio median moved up 9% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $505 | $592 | $767 | $1,044 | $1,150 | — |
| FY 2021 | $535 | $613 | $793 | $1,077 | $1,179 | +3.4% |
| FY 2022 | $553 | $623 | $806 | $1,094 | $1,193 | +1.6% |
| FY 2023 | $637 | $698 | $906 | $1,218 | $1,310 | +12.4% |
| FY 2024 | $691 | $753 | $986 | $1,307 | $1,378 | +8.8% |
| FY 2025 | $745 | $805 | $1,056 | $1,371 | $1,440 | +7.1% |
| FY 2026 | $769 | $820 | $1,076 | $1,380 | $1,454 | +1.9% |
| FY 2027 | $822 | $875 | $1,145 | $1,461 | $1,558 | +6.4% |
Nearby counties
Questions people ask
$1,076 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $769 for a studio, $820 for one bedroom, $1,380 for three and $1,454 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in Lucas actually go for?
HUD's number is one input. Search any address in Lucas for a rent estimate built from nearby comps. 3 free searches, no card.
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