HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Ottawa County, Ohio (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Ottawa County is $1,106 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,106
FY 2026, utilities included
Payment standard range
$995 to $1,217
90% to 110% of FMR
Income to afford 2BR
$44,240
per year, at 30% of income
Rank in Ohio
27th of 88
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Ottawa moves to $1,209. That's up 9%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Ottawa actually rent for?
Search any address in Ottawa 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 | $807 | $726 to $888 | $32,280 | $15.52/hr | +19.2% |
| 1 bedroom | $843 | $759 to $927 | $33,720 | $16.21/hr | +12.0% |
| 2 bedroom | $1,106 | $995 to $1,217 | $44,240 | $21.27/hr | +11.9% |
| 3 bedroom | $1,326 | $1,193 to $1,459 | $53,040 | $25.50/hr | +11.4% |
| 4 bedroom | $1,696 | $1,526 to $1,866 | $67,840 | $32.62/hr | +19.2% |
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 | $1,950 | $1,755 to $2,145 |
| 6 bedroom Estimate | $2,205 | $1,985 to $2,426 |
| 7 bedroom Estimate | $2,459 | $2,213 to $2,705 |
| 8 bedroom Estimate | $2,714 | $2,443 to $2,985 |
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 Ottawa, that runs from $807 for a studio up to $1,696 for four bedrooms, all five rates in the table above.
Ottawa is its own HUD metro area (Ottawa County, OH), so the rate here is set from rents inside the county rather than a wider region.
Among Ohio's 88 counties, Ottawa ranks 27th for two-bedroom FMR. That's about 9% above the state median of $1,016 and about 9% above the national median county at $1,018. About 40,367 people live here, 62nd in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $970 in 43458 (Rocky Ridge) and $1,320 in 43412 (Curtice), with the 16 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 |
|---|---|---|---|
| 43408 | Clay Center | $1,180 | +6.7% |
| 43412 | Curtice | $1,320 | +19.3% |
| 43416 | Elmore | $1,060 | -4.2% |
| 43430 | Genoa | $1,030 | -6.9% |
| 43432 | Graytown | $1,060 | -4.2% |
| 43433 | Gypsum | $1,110 | +0.4% |
| 43436 | Isle Saint George | $1,110 | +0.4% |
| 43439 | Lacarne | $1,100 | -0.5% |
| 43440 | Lakeside Marblehead | $1,180 | +6.7% |
| 43445 | Martin | $1,200 | +8.5% |
| 43446 | Middle Bass | $1,110 | +0.4% |
| 43449 | Oak Harbor | $1,070 | -3.3% |
| 43452 | Port Clinton | $1,100 | -0.5% |
| 43456 | Put In Bay | $1,110 | +0.4% |
| 43458 | Rocky Ridge | $970 | -12.3% |
| 43468 | Williston | $1,320 | +19.3% |
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 Ottawa somewhere between $995 and $1,217. 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.
$1,106 a month is affordable, by HUD's 30% rule, on an income of roughly $44,240 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% ($995) | HAP at 100% ($1,106) | HAP at 110% ($1,217) |
|---|---|---|---|---|
| $2,500 | $750 | $245 | $356 | $467 |
| $4,000 | $1,200 | $0 | $0 | $17 |
Rate history
The two-bedroom rate went up 12% from FY 2025 ($988) to FY 2026 ($1,106). Since FY 2020 it's up 55% in total, about 7.5% 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 | $531 | $574 | $715 | $891 | $1,073 | — |
| FY 2021 | $593 | $633 | $795 | $989 | $1,164 | +11.2% |
| FY 2022 | $538 | $617 | $785 | $970 | $1,148 | -1.3% |
| FY 2023 | $619 | $703 | $926 | $1,127 | $1,276 | +18.0% |
| FY 2024 | $641 | $719 | $945 | $1,143 | $1,308 | +2.1% |
| FY 2025 | $677 | $753 | $988 | $1,190 | $1,423 | +4.6% |
| FY 2026 | $807 | $843 | $1,106 | $1,326 | $1,696 | +11.9% |
| FY 2027 | $869 | $924 | $1,209 | $1,441 | $1,923 | +9.3% |
Nearby counties
Questions people ask
$1,106 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $807 for a studio, $843 for one bedroom, $1,326 for three and $1,696 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 Ottawa actually go for?
HUD's number is one input. Search any address in Ottawa for a rent estimate built from nearby comps. 3 free searches, no card.
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