Location: Dayton-Kettering-Beavercreek, 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 | $910 |
| 1 Bedroom | $1,010 |
| 2 Bedrooms | $1,250 |
| 3 Bedrooms | $1,630 |
| 4 Bedrooms | $1,780 |
| 5 Bedrooms | $2,065 |
| 6 Bedrooms | $2,313 |
| 7 Bedrooms | $2,498 |
| 8 Bedrooms | $2,623 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,250 | $132,128 | 0.95% | C |
| 3BR | $1,630 | $183,325 | 0.89% | C |
| 4BR | $1,780 | $241,644 | 0.74% | D |
U.S. Census Bureau data (2024)
169,546 is the median home value in ZIP 45439, indicating a moderate housing market where properties are neither overly expensive nor cheap. 44.5% of the population in Moraine, OH, are renters, reflecting a significant portion of the community that relies on rental housing. The $1,342 market rent (ZORI) suggests that tenants are willing to pay a premium for quality living spaces, which can be beneficial for landlords looking to maximize their returns. However, the $1010 FMR (Fair Market Rent) for zip FY 2024 highlights a disparity between what the government considers fair and what the market demands, potentially affecting the eligibility of tenants for Section 8 vouchers. With a median income of $52,035, many residents might find it challenging to afford market rents without assistance, making affordable housing options critical.
0.2% price-cut share indicates that very few landlords are lowering their rental rates, suggesting strong demand and stability in the local rental market. This low percentage also implies that landlords who maintain competitive pricing are likely to see consistent occupancy and minimal vacancy periods. Given the robust rental market and the relatively high ZORI compared to the FMR, landlords should consider offering Section 8-friendly units to attract a broader tenant pool and ensure steady cash flow. By doing so, they can capitalize on the high demand while providing much-needed affordable housing solutions.
The verdict for Section 8 in Moraine, OH, is positive, as it aligns well with the economic realities faced by many residents and can help stabilize the rental market by ensuring a continuous stream of qualified tenants.
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.