Location: Washington County, OH | Metro: Monroe County, OH
| Unit Size | Monthly FMR |
|---|---|
| Studio | $830 |
| 1 Bedroom | $840 |
| 2 Bedrooms | $1,060 |
| 3 Bedrooms | $1,410 |
| 4 Bedrooms | $1,490 |
| 5 Bedrooms | $1,728 |
| 6 Bedrooms | $1,935 |
| 7 Bedrooms | $2,090 |
| 8 Bedrooms | $2,195 |
U.S. Census Bureau data (2024)
The ZIP code 45734, located in Washington County, Ohio, presents a unique opportunity for inclusion within a Section 8 portfolio strategy. This area is best suited as a diversifier within your investment mix, given its characteristics.
The renter share in ZIP 45734 stands at 10.9%, indicating a relatively low proportion of renters compared to owners. However, this statistic is valuable when considering the broader context of an investment portfolio. Diversification is key to mitigating risk and ensuring steady returns across various economic conditions. In a market where homeownership is predominant, investing in rental properties can serve as a hedge against downturns in the housing market.
The median income of $48,676 in ZIP 45734 suggests that there is a segment of the population eligible for Section 8 assistance. While the exact percentage of income spent on housing is not provided, we know that Section 8 tenants typically have lower incomes and require financial assistance to afford housing. This makes ZIP 45734 a suitable location for properties aimed at providing stable cash flow through Section 8 vouchers, which are guaranteed by the federal government.
Furthermore, the lack of specific market data such as the market rate for rentals and median home values does not detract from the potential of this ZIP code as a diversifier. The absence of these figures could indicate a less volatile market, where property values do not fluctuate dramatically. This stability can be beneficial for long-term investments, especially those relying on consistent government-backed rental payments.
In the fiscal year 2026, the Fair Market Rent (FMR) for the metro area is projected to be $1,030. While this figure alone does not provide enough information to determine if 45734 is a cash-flow anchor due to the lack of market-specific rental rates, it does give a benchmark for expected rental income under the Section 8 program. The reliability of this income stream can be a cornerstone of a diversified portfolio, ensuring that even in periods of economic uncertainty, you have a predictable source of revenue.
Investing in ZIP 45734 as a diversifier also allows for the potential of capital appreciation. Although specific metrics such as price-cut share and days on market (DOM) are not available, the long-term trend of increasing property values and rental demand in many parts of the country supports the idea that over time, the value of your investments here could grow, adding to your overall portfolio performance.
In summary, ZIP 45734 should be considered as a diversifier within your Section 8 portfolio strategy. It offers a mix of stable income through guaranteed Section 8 rents and the potential for long-term capital appreciation, making it a valuable addition to any investment mix aimed at balancing risk and return.
Data Sources: FMR data from HUD (2027). 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.