Section 8 Payment Standards — Toledo, Ohio (FY 2026)
HUD Small Area Fair Market Rent (SAFMR) data for Toledo ZIP codes, plus how Section 8 rent compares to typical market asking rents.
Lucas County is a high-yield Ohio market where HUD FY2026 SAFMR limits outperform typical asking rents on lower-priced homes.
County est. 2BR SAFMR
$1,076
County median home value
$180,031
Est. Section 8 yield
7.2%
On a typical Toledo county home, HUD's 2BR limit ($1,076/mo) vs an estimated market asking rent (~$1,440/mo) suggests a +-$364/mo Section 8 premium before utilities, payment standard adjustments, and rent reasonableness.
Sample Toledo 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 |
|---|---|---|---|---|---|
| 43604 | $700 | $740 | $970 | $1,250 | $1,310 |
| 43607 | $740 | $780 | $1,030 | $1,320 | $1,390 |
| 43610 | $720 | $770 | $1,010 | $1,300 | $1,360 |
Why Section 8 rent matters in Toledo
Most investors underwrite Toledo 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 Toledo listings scored on Section 8 rent
Rich from Section 8 merges live for-sale inventory in Toledo, OH with official HUD SAFMR data, rent gap scoring, and instant cash-flow underwriting — not Zillow rent guesses.
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