Location: Paulding County, OH | Metro: Paulding County, OH
| Unit Size | Monthly FMR |
|---|---|
| Studio | $1,130 |
| 1 Bedroom | $1,150 |
| 2 Bedrooms | $1,500 |
| 3 Bedrooms | $1,970 |
| 4 Bedrooms | $2,510 |
| 5 Bedrooms | $2,912 |
| 6 Bedrooms | $3,261 |
| 7 Bedrooms | $3,522 |
| 8 Bedrooms | $3,698 |
U.S. Census Bureau data (2024)
ZIP 45855, located in Paulding County, OH, serves as an ideal cash-flow anchor within a Section 8 portfolio strategy. The primary reason for this designation lies in the significant spread between the Fair Market Rent (FMR) and the actual market rent. For fiscal year 2026, the FMR for the metro area is set at $1,460, while the current market rent stands at $633. This means that landlords can expect to receive a substantial subsidy of $827 per unit, enhancing their overall cash flow.
The median home value being N/A suggests a lack of comprehensive data on property values, but it does not detract from the cash-flow benefits of this ZIP code. Landlords should focus on the guaranteed rental income from the Section 8 program, which provides stability and predictability in a volatile housing market.
Although the appreciation potential in ZIP 45855 is unclear due to insufficient data on price-cut shares and days on market (DOM), the primary objective here is to secure steady cash flows rather than rapid capital appreciation. With a renter share of 5.6%, the demand for rental properties is relatively low, making it less likely that landlords will face competition from other investors seeking to capitalize on short-term appreciation.
Furthermore, the median income of $90,000 indicates a stable economic environment where tenants are more likely to maintain consistent employment and meet their obligations under the Section 8 program. This reduces the risk of default and ensures that landlords can rely on the government subsidy to cover the majority of the rent, thereby anchoring their portfolio's cash flow.
In conclusion, ZIP 45855 is best suited as a cash-flow anchor in a Section 8 portfolio. The substantial difference between FMR and market rent guarantees a steady stream of income, while the stable median income of $90,000 ensures that tenants will be reliable and able to fulfill their end of the agreement. This makes it an excellent choice for landlords and small-portfolio investors looking to diversify their investments with a focus on long-term financial security.
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.