Location: Cincinnati, OH | Metro: Cincinnati, OH-KY-IN HUD Metro FMR Area
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $900 |
| 1 Bedroom | $970 |
| 2 Bedrooms | $1,240 |
| 3 Bedrooms | $1,630 |
| 4 Bedrooms | $1,840 |
| 5 Bedrooms | $2,134 |
| 6 Bedrooms | $2,390 |
| 7 Bedrooms | $2,581 |
| 8 Bedrooms | $2,710 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,240 | $181,557 | 0.68% | D |
| 3BR | $1,630 | $271,937 | 0.6% | F |
U.S. Census Bureau data (2024)
To integrate ZIP 41043, located in Foster, KY, within a Section 8 portfolio strategy, one must consider its unique characteristics. This ZIP code falls under the Cincinnati, OH-KY-IN HUD Metro FMR Area, which presents a strategic opportunity for landlords and small-portfolio investors.
The primary role of ZIP 41043 in a Section 8 portfolio would be as a cash-flow anchor. The Fair Market Rent (FMR) for the area in fiscal year 2024 is set at $990, while the current market rent stands at $843. This discrepancy leaves a significant spread of $147 per month, indicating that landlords participating in the Section 8 program can expect to receive higher rents compared to the market average. This positive spread ensures a stable and reliable cash flow, mitigating risks associated with market fluctuations.
Additionally, the median home value in ZIP 41043 is $249,111, suggesting that it is a middle-income neighborhood. With a median income of $87,695, residents have the financial capacity to afford housing, reducing the risk of tenant default. However, the renter share is relatively low at 7.3%, which implies that there might be fewer potential tenants in the rental market. This characteristic further emphasizes the importance of the Section 8 program in ensuring steady occupancy and cash flow.
While the appreciation potential is not explicitly detailed, the focus on cash flow stability makes ZIP 41043 an ideal choice for those looking to secure predictable returns over the long term. Landlords should leverage the guaranteed rent payments through the Section 8 program to offset any lower appreciation rates and maintain a solid financial foundation.
In conclusion, ZIP 41043 serves best as a cash-flow anchor within a Section 8 portfolio strategy due to its favorable FMR compared to market rent and the financial stability of its residents. This approach allows investors to build a resilient investment portfolio that can withstand economic downturns and provide consistent returns.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.