Section 8 Payment Standards — Dayton, Ohio (FY 2026)
HUD Small Area Fair Market Rent (SAFMR) data for Dayton ZIP codes, plus how Section 8 rent compares to typical market asking rents.
Montgomery County is a classic Midwest rent-gap market — HUD payment standards hold up while owner-occupant demand keeps prices subdued.
County est. 2BR SAFMR
$1,273
County median home value
$207,254
Est. Section 8 yield
7.4%
On a typical Dayton county home, HUD's 2BR limit ($1,273/mo) vs an estimated market asking rent (~$1,658/mo) suggests a +-$385/mo Section 8 premium before utilities, payment standard adjustments, and rent reasonableness.
Sample Dayton ZIP codes — FY 2026 SAFMR
Payment standards vary by ZIP and bedroom count. Always confirm current limits with the local housing authority before underwriting a deal.
| ZIP | 0BR | 1BR | 2BR | 3BR | 4BR |
|---|---|---|---|---|---|
| 45402 | $980 | $1,060 | $1,340 | $1,740 | $1,910 |
| 45406 | $850 | $920 | $1,160 | $1,500 | $1,660 |
| 45417 | $850 | $930 | $1,170 | $1,520 | $1,670 |
Why Section 8 rent matters in Dayton
Most investors underwrite Dayton rentals using Zillow or market asking rent. Section 8 uses HUD SAFMR payment standards — and in many Ohio markets the gap between HUD rent and market rent is what makes a property cash-flow.
Local PHAs may set payment standards between 90% and 110% of SAFMR, subtract utility allowances, and run rent reasonableness tests. Use full SAFMR as a ceiling, not a guarantee on every door.
Search live Dayton listings scored on Section 8 rent
Rich from Section 8 merges live for-sale inventory in Dayton, OH with official HUD SAFMR data, rent gap scoring, and instant cash-flow underwriting — not Zillow rent guesses.
Get Instant Access — $99.97/moMore Section 8 markets
- Detroit, MI
- Cleveland, OH
- Birmingham, AL
- Cincinnati, OH
- Memphis, TN
- Indianapolis, IN
- Columbus, OH
- Atlanta, GA