HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Lucas County, Ohio (FY 2027)
$1,145 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Lucas County, and it's the baseline every voucher in Lucas is measured against.
Two-bedroom FMR
$1,145
+6.4% from FY 2026
Payment standard
$1,031–$1,260
90% to 110% of the FMR, two-bedroom
Income to afford
$45,800
a year, with rent at 30% of income
Rank in Ohio
29th of 88
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $822 | $740–$904 | $32,880 | $15.81/hr | +6.9% |
| 1 bedroom | $875 | $788–$963 | $35,000 | $16.83/hr | +6.7% |
| 2 bedroom | $1,145 | $1,031–$1,260 | $45,800 | $22.02/hr | +6.4% |
| 3 bedroom | $1,461 | $1,315–$1,607 | $58,440 | $28.10/hr | +5.9% |
| 4 bedroom | $1,558 | $1,402–$1,714 | $62,320 | $29.96/hr | +7.2% |
Five to eight 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 | $1,792 | $1,613–$1,971 |
| 6 bedroom Estimate | $2,025 | $1,823–$2,228 |
| 7 bedroom Estimate | $2,259 | $2,033–$2,485 |
| 8 bedroom Estimate | $2,493 | $2,244–$2,742 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
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.
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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 $1,031 and $1,260. 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.
$1,145 a month is affordable, by HUD's 30% rule, on an income of roughly $45,800 a year. Put another way, $22 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$1,031 | Voucher pays at 100%$1,145 | Voucher pays at 110%$1,260 |
|---|---|---|---|---|
| $2,500 | $750 | $281 | $395 | $510 |
| $4,000 | $1,200 | $0 | $0 | $60 |
Rate history
The two-bedroom rate went up 6% from FY 2026 ($1,076) to FY 2027 ($1,145). Since FY 2020 it's up 49% in total, about 5.9% a year. The Ohio median moved up 3% over the same year.
| Fiscal 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 2027In effect | $822 | $875 | $1,145 | $1,461 | $1,558 | +6.4% |
About this rate
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 2027 that's October 1, 2026 through September 30, 2027. In Lucas, that runs from $822 for a studio up to $1,558 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 $1,145 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 29th for two-bedroom FMR. That's about 9% above the state median of $1,048 and about 8% above the national median county at $1,063. About 428,018 people live here, 6th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,000 in 43604 (Toledo) and $1,580 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 | $1,145County rate | — |
| 43434 | Harbor View | $1,100 | -3.9% |
| 43504 | Berkey | $1,060 | -7.4% |
| 43528 | Holland | $1,330 | +16.2% |
| 43537 | Maumee | $1,320 | +15.3% |
| 43542 | Monclova | $1,440 | +25.8% |
| 43547 | Neapolis | $1,160 | +1.3% |
| 43560 | Sylvania | $1,310 | +14.4% |
| 43566 | Waterville | $1,580 | +38.0% |
| 43571 | Whitehouse | $1,080 | -5.7% |
| 43601 | Toledo | $1,145County rate | — |
| 43603 | Toledo | $1,145County rate | — |
| 43604 | Toledo | $1,000 | -12.7% |
| 43605 | Toledo | $1,160 | +1.3% |
| 43606 | Toledo | $1,170 | +2.2% |
| 43607 | Toledo | $1,080 | -5.7% |
| 43608 | Toledo | $1,040 | -9.2% |
| 43609 | Toledo | $1,150 | +0.4% |
| 43610 | Toledo | $1,140 | -0.4% |
| 43611 | Toledo | $1,100 | -3.9% |
| 43612 | Toledo | $1,210 | +5.7% |
| 43613 | Toledo | $1,120 | -2.2% |
| 43614 | Toledo | $1,070 | -6.6% |
| 43615 | Toledo | $1,300 | +13.5% |
| 43616 | Oregon | $1,100 | -3.9% |
| 43617 | Toledo | $1,310 | +14.4% |
| 43620 | Toledo | $1,000 | -12.7% |
| 43623 | Toledo | $1,140 | -0.4% |
| 43635 | Toledo | $1,150 | +0.4% |
| 43652 | Toledo | $1,145County rate | — |
| 43654 | Toledo | $1,145County rate | — |
| 43656 | Toledo | $1,145County rate | — |
| 43657 | Toledo | $1,145County rate | — |
| 43659 | Toledo | $1,145County rate | — |
| 43660 | Toledo | $1,145County rate | — |
| 43661 | Toledo | $1,145County rate | — |
| 43666 | Toledo | $1,145County rate | — |
| 43667 | Toledo | $1,145County rate | — |
| 43681 | Toledo | $1,145County rate | — |
| 43682 | Toledo | $1,145County rate | — |
Counties sharing the Toledo metro rate
HUD sets one rate for the whole metro, so every county here carries the same $1,145 two-bedroom figure as Lucas.
Nearby counties
Two-bedroom FMR, with how each compares to Lucas.
Wood County
19 mi · 132,064 people
$1,145
same rate
Ottawa County
25 mi · 39,994 people
$1,209
+6%
Fulton County
28 mi · 42,240 people
$1,145
same rate
Sandusky County
29 mi · 58,778 people
$1,003
-12%
Henry County
34 mi · 27,567 people
$1,011
-12%
Seneca County
42 mi · 54,770 people
$1,057
-8%
Hancock County
47 mi · 74,866 people
$1,189
+4%
Williams County
52 mi · 36,719 people
$1,003
-12%
Questions people ask
$1,145 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $822 for a studio, $875 for one bedroom, $1,461 for three and $1,558 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
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
The 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. Free to start, no card.
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