Location: Logan County, OH | Metro: Champaign County, OH
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 | $920 |
| 1 Bedroom | $940 |
| 2 Bedrooms | $1,220 |
| 3 Bedrooms | $1,480 |
| 4 Bedrooms | $1,620 |
| 5 Bedrooms | $1,879 |
| 6 Bedrooms | $2,104 |
| 7 Bedrooms | $2,272 |
| 8 Bedrooms | $2,386 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,220 | $182,675 | 0.67% | D |
| 3BR | $1,480 | $256,285 | 0.58% | F |
| 4BR | $1,620 | $313,475 | 0.52% | F |
U.S. Census Bureau data (2024)
The economics of Section 8 housing in ZIP code 43318, located in De Graff, OH, Logan County, are governed by the SAFMR (Small Area Fair Market Rent) rather than the broader metro or county-level FMRs. For a two-bedroom apartment in this ZIP code, the SAFMR for fiscal year 2026 is set at $1,200. This means that landlords participating in the Section 8 program can receive up to this amount per month for a unit that qualifies under the program.
In contrast, the local market rent for a two-bedroom apartment in ZIP 43318, based on Census ACS data, averages $866. This discrepancy between the SAFMR and the actual market rent provides an opportunity for landlords to potentially charge more than the typical rental price while still being covered by the voucher program.
However, it's important to understand how the voucher payment works. The total reimbursement to the landlord includes both the tenant portion and any utility allowances. Typically, the tenant is responsible for paying approximately 30% of their adjusted monthly income towards rent. If we assume an average adjusted monthly income of $1,500 for a tenant in this area, the tenant would pay around $450 towards rent. The remaining balance, up to the SAFMR limit of $1,200, would be covered by the housing authority.
In addition to the base rent, there are utility allowances that vary but generally range from $150 to $200 per month, depending on the specific circumstances and the number of utilities included. Therefore, if the utility allowance is $175, the total reimbursement to the landlord would be $625 ($450 tenant portion + $175 utility allowance).
This calculation leaves a significant gap between the SAFMR and the total reimbursement. In ZIP 43318, the typical reimbursement gap for a two-bedroom apartment would be $575 per month ($1,200 SAFMR - $625 total reimbursement). This means landlords would need to cover this difference themselves or adjust their expectations for rental income when participating in the Section 8 program.
To summarize, landlords in ZIP 43318 can expect a reimbursement of $625 for a two-bedroom apartment, which falls short of the $1,200 SAFMR. This results in a $575 surplus that the landlord must account for, either by accepting lower net income or by finding ways to reduce operating costs.
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.