Location: Brown County, 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 | $840 |
| 1 Bedroom | $860 |
| 2 Bedrooms | $1,060 |
| 3 Bedrooms | $1,440 |
| 4 Bedrooms | $1,710 |
| 5 Bedrooms | $1,984 |
| 6 Bedrooms | $2,222 |
| 7 Bedrooms | $2,400 |
| 8 Bedrooms | $2,520 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,060 | $176,102 | 0.6% | D |
| 3BR | $1,440 | $255,989 | 0.56% | F |
| 4BR | $1,710 | $310,173 | 0.55% | F |
U.S. Census Bureau data (2024)
The ZIP code 45130, located in Hamersville, OH, presents a dynamic rental market that is currently in flux. The Fair Market Rent (FMR) for the area stands at $990 for the fiscal year 2024, indicating a higher benchmark set by HUD for the region. However, the actual market rent, as per the Census American Community Survey (ACS), is recorded at $880. This suggests that while there's an established standard, the current market conditions might be influencing actual rents downward.
The median home value in the area is $244,553, which provides insight into the overall economic landscape and property values. Although the data does not provide specific percentages for price-cut shares or days on the market (DOM), the difference between the FMR and the market rent could imply that the supply of rental properties may slightly exceed demand, leading to a competitive environment where landlords offer slightly lower rents to attract tenants.
A significant 19.6% of households in ZIP 45130 are renters, a figure that can be used to gauge long-term housing pressures. In areas with a higher proportion of renters, there tends to be a continuous need for rental properties, which can create sustained pressure on the housing market. Landlords and small-portfolio investors should take note of this trend, as it indicates a steady demand for rentals. This percentage also highlights that a considerable portion of the population is likely to be sensitive to changes in the economy, potentially affecting rental stability and income.
The interplay between the FMR and the actual market rent, alongside the median home value, paints a picture of a market where both landlords and homeowners are navigating economic realities. For investors, understanding these dynamics is crucial in making informed decisions about property investments and management strategies in Hamersville, OH.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). 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.