HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Putnam County, Ohio (FY 2026)
$1,053 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Putnam County, and it's the baseline every voucher in Putnam is measured against.
2 bedroom FMR
$1,053
FY 2026, utilities included
Payment standard range
$948 to $1,158
90% to 110% of FMR
Income to afford 2BR
$42,120
per year, at 30% of income
Rank in Ohio
37th of 88
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Putnam moves to $1,095. That's up 4%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Putnam actually rent for?
Search any address in Putnam 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 | $797 | $717 to $877 | $31,880 | $15.33/hr | +15.5% |
| 1 bedroom | $808 | $727 to $889 | $32,320 | $15.54/hr | +11.6% |
| 2 bedroom | $1,053 | $948 to $1,158 | $42,120 | $20.25/hr | +14.6% |
| 3 bedroom | $1,263 | $1,137 to $1,389 | $50,520 | $24.29/hr | +14.1% |
| 4 bedroom | $1,394 | $1,255 to $1,533 | $55,760 | $26.81/hr | +14.4% |
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 | $1,603 | $1,443 to $1,763 |
| 6 bedroom Estimate | $1,812 | $1,631 to $1,993 |
| 7 bedroom Estimate | $2,021 | $1,819 to $2,223 |
| 8 bedroom Estimate | $2,230 | $2,007 to $2,453 |
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 Putnam, that runs from $797 for a studio up to $1,394 for four bedrooms, all five rates in the table above.
Because Putnam sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Belmore included.
Among Ohio's 88 counties, Putnam ranks 37th for two-bedroom FMR. That's about 4% above the state median of $1,016 and about 3% above the national median county at $1,018. About 34,400 people live here, 70th 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 45831 (Continental) and $1,250 in 45815 (Belmore), with the 13 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 |
|---|---|---|---|
| 45815 | Belmore | $1,250 | +18.7% |
| 45827 | Cloverdale | $1,020 | -3.1% |
| 45830 | Columbus Grove | $1,120 | +6.4% |
| 45831 | Continental | $970 | -7.9% |
| 45837 | Dupont | $1,053County rate | — |
| 45844 | Fort Jennings | $970 | -7.9% |
| 45848 | Glandorf | $1,010 | -4.1% |
| 45853 | Kalida | $1,100 | +4.5% |
| 45856 | Leipsic | $1,250 | +18.7% |
| 45864 | Miller City | $1,110 | +5.4% |
| 45875 | Ottawa | $1,010 | -4.1% |
| 45876 | Ottoville | $1,110 | +5.4% |
| 45877 | Pandora | $1,150 | +9.2% |
| 45893 | Vaughnsville | $1,120 | +6.4% |
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 Putnam somewhere between $948 and $1,158. 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.
$1,053 a month is affordable, by HUD's 30% rule, on an income of roughly $42,120 a year. Put another way, $20 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% ($948) | HAP at 100% ($1,053) | HAP at 110% ($1,158) |
|---|---|---|---|---|
| $2,500 | $750 | $198 | $303 | $408 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 15% from FY 2025 ($919) to FY 2026 ($1,053). Since FY 2020 it's up 51% in total, about 7.1% 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 | $517 | $586 | $696 | $885 | $967 | — |
| FY 2021 | $548 | $612 | $734 | $913 | $1,002 | +5.5% |
| FY 2022 | $547 | $628 | $738 | $912 | $1,001 | +0.5% |
| FY 2023 | $587 | $665 | $794 | $966 | $1,067 | +7.6% |
| FY 2024 | $639 | $710 | $860 | $1,040 | $1,145 | +8.3% |
| FY 2025 | $690 | $724 | $919 | $1,107 | $1,218 | +6.9% |
| FY 2026 | $797 | $808 | $1,053 | $1,263 | $1,394 | +14.6% |
| FY 2027 | $827 | $837 | $1,095 | $1,305 | $1,452 | +4.0% |
Nearby counties
Questions people ask
$1,053 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $797 for a studio, $808 for one bedroom, $1,263 for three and $1,394 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 Putnam actually go for?
HUD's number is one input. Search any address in Putnam for a rent estimate built from nearby comps. 3 free searches, no card.
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