Location: Preble County, OH | Metro: Dayton-Kettering-Beavercreek, OH MSA
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 | $950 |
| 1 Bedroom | $1,060 |
| 2 Bedrooms | $1,310 |
| 3 Bedrooms | $1,700 |
| 4 Bedrooms | $1,860 |
| 5 Bedrooms | $2,158 |
| 6 Bedrooms | $2,417 |
| 7 Bedrooms | $2,610 |
| 8 Bedrooms | $2,741 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,310 | $197,819 | 0.66% | D |
| 3BR | $1,700 | $308,474 | 0.55% | F |
| 4BR | $1,860 | $388,710 | 0.48% | F |
U.S. Census Bureau data (2024)
6.6% of Farmersville, OH's population are renters, indicating a modest demand for rental properties in ZIP 45325. The $1,060 market rent figure, derived from the Census ACS data, suggests that landlords can expect this average monthly rent for their units. However, the $1100 FMR (Fair Market Rent) for zip code 45325 in fiscal year 2024 provides a slightly higher benchmark, which could be beneficial for those participating in the Section 8 program. This increase in FMR over the market rent indicates potential for higher returns on investment when dealing with subsidized housing.
The median home value in Farmersville stands at $293,281, which is a significant figure for investors looking to purchase properties for rental purposes. Given the median income of $81,250, it becomes evident that the average resident has the financial capacity to afford a property valued at this level. While the lack of data on days on market (DOM) and the percentage of price-cut share might indicate less activity in the real estate market, the robust median values suggest a stable economic environment.
Investors should consider the FMR as a key indicator for setting rental rates that align with the Section 8 program. With the $1100 FMR exceeding the market rent by $40, landlords can potentially secure a steady stream of tenants through the Section 8 voucher system without significantly undercutting the local market rates. This stability is crucial for long-term investment planning.
In conclusion, the data from ZIP 45325 paints a picture of a market where Section 8 participation can offer a reliable return on investment, leveraging the higher FMR while catering to a portion of the local rental demand. For small-portfolio investors and landlords, Farmersville presents an opportunity to diversify their holdings with a mix of market-rate and Section 8 properties, ensuring a balanced and sustainable income stream.
Verdict: Farmersville, OH is a viable market for Section 8 investments, with a clear path to profitability given the favorable FMR and median income figures.
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.