FY2026 Fair Market Rents — Cincinnati, OH-KY-IN HUD Metro FMR Area

The HUD-published Fair Market Rents for FY2026 in this area are:

Studio
$958
1BR
$1,051
2BR
$1,353
3BR
$1,785
4BR
$1,976
Hours/week at min wage
144 hrs
to afford the 2BR FMR @ $7.25/hr (federal)
YoY change (2BR)
+5.1%
+$66 vs FY2025 · 5-yr +47.7%
Voucher payment standard
$1,218–$1,488
PHAs set HCV payment at 90–110% of the 2BR FMR

Cincinnati, OH-KY-IN HUD Metro FMR Area

Non-Metropolitan area · KY · View full history · Income limits · LIHTC rents

FY2026 Fair Market Rents

Bedroom Size Monthly FMR Annual Equivalent
Efficiency (Studio) $958 $11,496
1-Bedroom $1,051 $12,612
2-Bedroom $1,353 $16,236
3-Bedroom $1,785 $21,420
4-Bedroom $1,976 $23,712

Recent 2-Bedroom FMR Trend

FY2020 $865 → FY2026 $1,353
Fiscal Year Studio 1BR 2BR 3BR 4BR
FY2026 $958 $1,051 $1,353 $1,785 $1,976
FY2025 $883 $993 $1,287 $1,707 $1,885
FY2024 $810 $919 $1,195 $1,588 $1,766
FY2023 $731 $839 $1,093 $1,464 $1,645
FY2022 $643 $742 $968 $1,302 $1,483
FY2021 $604 $698 $916 $1,244 $1,425
FY2020 $568 $658 $865 $1,185 $1,362

View full FMR history back to FY2000 →

FY2026 Income Limits

Area Median Income (AMI): $109,900

AMI Level 1p 2p 3p 4p 5p 6p
30% AMI (Extremely Low) $23,100 $26,400 $29,700 $33,000 $38,680 $44,360
50% AMI (Very Low) $38,500 $44,000 $49,500 $54,950 $59,350 $63,750
80% AMI (Low) $61,550 $70,350 $79,150 $87,900 $94,950 $102,000

Full income limits table (all 8 household sizes) →

Affordability Snapshot

2BR Annual FMR
$16,236/yr
FMR as % of Area Median Income
14.8% of AMI
Under 30% — affordable at median income
Income Needed (30% rule, 2BR)
$54,120/yr
$4,510/mo gross income

FY2026 LIHTC Maximum Rents

Maximum gross rents for Low-Income Housing Tax Credit units, by income band. Full LIHTC details →

AMI Band Studio 1BR 2BR 3BR 4BR
50% AMI Maximum $961 $1,099 $1,236 $1,483 $1,593
60% AMI Maximum $1,153 $1,318 $1,483 $1,780 $1,912

FY2026 HOME Program Rent Limits

Maximum rents for HOME Investment Partnerships–funded units. High HOME rents apply to most assisted units; Low HOME rents apply to the lowest-income set-aside units. Full HOME rent details →

Limit Type Studio 1BR 2BR 3BR 4BR
High HOME Rent $958 $1,051 $1,353 $1,785 $1,785
Low HOME Rent $962 $1,100 $1,237 $1,373 $1,483

Small Area FMRs by ZIP Code

This metro publishes ZIP-level Small Area Fair Market Rents. Metro-wide 2BR FMR: $1,353. About SAFMRs →

Highest-cost ZIPs (2BR SAFMR)

41091 $2,030
45040 $2,030
45174 $2,030
45202 $2,030
45242 $2,030

Lowest-cost ZIPs (2BR SAFMR)

41002 $980
41003 $980
41034 $980
41044 $980
41059 $980
All 177 ZIP codes in this area
41001 41002 41003 41004 41005 41006 41007 41011 41012 41014 41015 41016 41017 41018 41022 41025 41030 41033 41034 41035 41040 41042 41043 41044 41045 41046 41048 41051 41053 41059 41061 41063 41064 41071 41072 41073 41074 41075 41076 41080 41083 41085 41086 41091 41092 41094 41095 41097 41099 45001 45002 45003 45011 45012 45013 45014 45015 45018 45030 45032 45033 45034 45036 45039 45040 45041 45044 45050 45051 45052 45053 45054 45055 45056 45061 45062 45063 45064 45065 45067 45069 45070 45071 45102 45103 45106 45107 45111 45112 45113 45118 45120 45121 45122 45130 45140 45147 45150 45152 45153 45156 45157 45158 45160 45162 45174 45176 45201 45202 45203 45204 45205 45206 45207 45208 45209 45211 45212 45213 45214 45215 45216 45217 45218 45219 45220 45222 45223 45224 45225 45226 45227 45229 45230 45231 45232 45233 45234 45235 45236 45237 45238 45239 45240 45241 45242 45243 45244 45245 45246 45247 45248 45249 45250 45251 45252 45253 45254 45255 45258 45262 45263 45267 45999 47001 47011 47012 47017 47018 47022 47025 47031 47032 47038 47040 47041 47060

Compare Cincinnati, OH-KY-IN HUD Metro FMR Area With Other KY Metros

vs. Allen County, KY HUD Metro FMR Area vs. Ballard County, KY HUD Metro FMR Area vs. Bowling Green, KY HUD Metro FMR Area vs. Butler County, KY HUD Metro FMR Area vs. Carlisle County, KY HUD Metro FMR Area

Counties in This FMR Area

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