Cincinnati, OH-KY-IN: 2-bedroom payment standards across 141 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Cincinnati, OH-KY-IN HUD Metro FMR Area range from $980 to $2,030 for a 2-bedroom. The 90th-percentile ZIP code runs 1.58× the 10th — a gap of $650 a month — which ranks 31th widest of the 247 HUD metro areas we compare.

HUD requires ZIP-level payment standards here. Cincinnati, OH-KY-IN is one of the 65 designated Small Area FMR areas, so housing authorities in this area set payment standards from each ZIP code's own SAFMR rather than one area-wide figure. The spread below is policy, not a gap — though your PHA still chooses a figure within 90–110% of each ZIP's SAFMR, and may group ZIP codes together.

$1,320

median 2-bedroom SAFMR across the area's 141 ZIP codes. Each ZIP code carries its own standard here; your PHA sets a figure within 90–110% of that ZIP's SAFMR.

$650

monthly gap between the 90th- and 10th-percentile ZIP code ($1,120 to $1,770).

27.7%

of the area's ZIP codes (39 of 141) sit above $1,452 — 110% of the area median. Because ZIP-level standards are required here, that is a measure of the area's rent spread, not of ZIP codes left behind by a ceiling.

Highest-rent ZIP codes in Cincinnati, OH-KY-IN

2 BR Small Area FMR area median across all 141 ZIPs

Every ZIP code, ranked

The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median, which here simply marks the top of the area's rent range — ZIP-level standards are required in this area, so no ZIP is capped by an area-wide figure.

Filter by ZIP code

Showing 141 of 141 ZIP codes

#	ZIP code	2 BR SAFMR ▾	Payment standard (90–110%)	vs area median
1	41091	$2,030	$1,827–$2,233	above 110%
2	45040	$2,030	$1,827–$2,233	above 110%
3	45174	$2,030	$1,827–$2,233	above 110%
4	45202	$2,030	$1,827–$2,233	above 110%
5	45242	$2,030	$1,827–$2,233	above 110%
6	45243	$2,030	$1,827–$2,233	above 110%
7	45039	$1,980	$1,782–$2,178	above 110%
8	45034	$1,910	$1,719–$2,101	above 110%
9	45069	$1,880	$1,692–$2,068	above 110%
10	45147	$1,840	$1,656–$2,024	above 110%
11	45249	$1,830	$1,647–$2,013	above 110%
12	45050	$1,800	$1,620–$1,980	above 110%
13	45111	$1,780	$1,602–$1,958	above 110%
14	45065	$1,770	$1,593–$1,947	above 110%
15	45209	$1,770	$1,593–$1,947	above 110%
16	41048	$1,730	$1,557–$1,903	above 110%
17	45067	$1,710	$1,539–$1,881	above 110%
18	45140	$1,710	$1,539–$1,881	above 110%
19	41080	$1,700	$1,530–$1,870	above 110%
20	41005	$1,690	$1,521–$1,859	above 110%
21	45153	$1,680	$1,512–$1,848	above 110%
22	45208	$1,670	$1,503–$1,837	above 110%
23	45251	$1,630	$1,467–$1,793	above 110%
24	45246	$1,600	$1,440–$1,760	above 110%
25	45219	$1,580	$1,422–$1,738	above 110%
26	45255	$1,570	$1,413–$1,727	above 110%
27	41042	$1,560	$1,404–$1,716	above 110%
28	41051	$1,550	$1,395–$1,705	above 110%
29	41022	$1,540	$1,386–$1,694	above 110%
30	41025	$1,540	$1,386–$1,694	above 110%
31	45162	$1,540	$1,386–$1,694	above 110%
32	45227	$1,540	$1,386–$1,694	above 110%
33	45240	$1,530	$1,377–$1,683	above 110%
34	45226	$1,520	$1,368–$1,672	above 110%
35	45122	$1,490	$1,341–$1,639	above 110%
36	45241	$1,490	$1,341–$1,639	above 110%
37	45014	$1,470	$1,323–$1,617	above 110%
38	41094	$1,460	$1,314–$1,606	above 110%
39	45231	$1,460	$1,314–$1,606	above 110%
40	45156	$1,450	$1,305–$1,595	110%
41	41007	$1,440	$1,296–$1,584	109%
42	45054	$1,440	$1,296–$1,584	109%
43	45245	$1,420	$1,278–$1,562	108%
44	41076	$1,400	$1,260–$1,540	106%
45	45012	$1,400	$1,260–$1,540	106%
46	45015	$1,400	$1,260–$1,540	106%
47	45018	$1,400	$1,260–$1,540	106%
48	45030	$1,400	$1,260–$1,540	106%
49	45061	$1,400	$1,260–$1,540	106%
50	45063	$1,400	$1,260–$1,540	106%
51	45071	$1,400	$1,260–$1,540	106%
52	45152	$1,400	$1,260–$1,540	106%
53	41011	$1,390	$1,251–$1,529	105%
54	45220	$1,390	$1,251–$1,529	105%
55	41071	$1,370	$1,233–$1,507	104%
56	41075	$1,370	$1,233–$1,507	104%
57	45244	$1,370	$1,233–$1,507	104%
58	45248	$1,370	$1,233–$1,507	104%
59	45267	$1,370	$1,233–$1,507	104%
60	45036	$1,360	$1,224–$1,496	103%
61	45236	$1,360	$1,224–$1,496	103%
62	41001	$1,350	$1,215–$1,485	102%
63	41073	$1,350	$1,215–$1,485	102%
64	45052	$1,350	$1,215–$1,485	102%
65	45212	$1,350	$1,215–$1,485	102%
66	41018	$1,340	$1,206–$1,474	102%
67	45218	$1,340	$1,206–$1,474	102%
68	41072	$1,330	$1,197–$1,463	101%
69	41099	$1,330	$1,197–$1,463	101%
70	45103	$1,330	$1,197–$1,463	101%
71	45002	$1,320	$1,188–$1,452	100%
72	45033	$1,320	$1,188–$1,452	100%
73	45041	$1,320	$1,188–$1,452	100%
74	45247	$1,320	$1,188–$1,452	100%
75	45150	$1,310	$1,179–$1,441	99%
76	45201	$1,310	$1,179–$1,441	99%
77	45222	$1,310	$1,179–$1,441	99%
78	45234	$1,310	$1,179–$1,441	99%
79	45235	$1,310	$1,179–$1,441	99%
80	45250	$1,310	$1,179–$1,441	99%
81	45253	$1,310	$1,179–$1,441	99%
82	45254	$1,310	$1,179–$1,441	99%
83	45258	$1,310	$1,179–$1,441	99%
84	45262	$1,310	$1,179–$1,441	99%
85	45263	$1,310	$1,179–$1,441	99%
86	41012	$1,290	$1,161–$1,419	98%
87	41053	$1,290	$1,161–$1,419	98%
88	41074	$1,290	$1,161–$1,419	98%
89	45011	$1,290	$1,161–$1,419	98%
90	45055	$1,290	$1,161–$1,419	98%
91	45999	$1,290	$1,161–$1,419	98%
92	45053	$1,280	$1,152–$1,408	97%
93	45013	$1,260	$1,134–$1,386	95%
94	45215	$1,260	$1,134–$1,386	95%
95	45252	$1,260	$1,134–$1,386	95%
96	41017	$1,240	$1,116–$1,364	94%
97	45044	$1,230	$1,107–$1,353	93%
98	45233	$1,230	$1,107–$1,353	93%
99	45239	$1,230	$1,107–$1,353	93%
100	41015	$1,220	$1,098–$1,342	92%
101	45206	$1,220	$1,098–$1,342	92%
102	45207	$1,220	$1,098–$1,342	92%
103	45238	$1,220	$1,098–$1,342	92%
104	45062	$1,210	$1,089–$1,331	92%
105	45213	$1,210	$1,089–$1,331	92%
106	45230	$1,210	$1,089–$1,331	92%
107	41014	$1,200	$1,080–$1,320	91%
108	41063	$1,200	$1,080–$1,320	91%
109	45032	$1,200	$1,080–$1,320	91%
110	45051	$1,200	$1,080–$1,320	91%
111	45216	$1,200	$1,080–$1,320	91%
112	45102	$1,190	$1,071–$1,309	90%
113	45158	$1,190	$1,071–$1,309	90%
114	47001	$1,190	$1,071–$1,309	90%
115	45223	$1,180	$1,062–$1,298	89%
116	45217	$1,170	$1,053–$1,287	89%
117	45237	$1,160	$1,044–$1,276	88%
118	45205	$1,150	$1,035–$1,265	87%
119	41040	$1,140	$1,026–$1,254	86%
120	45211	$1,140	$1,026–$1,254	86%
121	47025	$1,140	$1,026–$1,254	86%
122	41016	$1,130	$1,017–$1,243	86%
123	45224	$1,130	$1,017–$1,243	86%
124	41033	$1,120	$1,008–$1,232	85%
125	45203	$1,120	$1,008–$1,232	85%
126	45229	$1,120	$1,008–$1,232	85%
127	47022	$1,120	$1,008–$1,232	85%
128	41043	$1,100	$990–$1,210	83%
129	45157	$1,080	$972–$1,188	82%
130	45214	$1,080	$972–$1,188	82%
131	41006	$1,060	$954–$1,166	80%
132	45001	$1,040	$936–$1,144	79%
133	45225	$1,030	$927–$1,133	78%
134	41095	$1,020	$918–$1,122	77%
135	45204	$1,020	$918–$1,122	77%
136	41061	$1,000	$900–$1,100	76%
137	41059	$980	$882–$1,078	74%
138	41085	$980	$882–$1,078	74%
139	45112	$980	$882–$1,078	74%
140	45160	$980	$882–$1,078	74%
141	45232	$980	$882–$1,078	74%

Heads up: The figure above is the HUD Fair Market Rent. Your local Public Housing Authority (PHA) sets the actual payment standard — usually between 90% and 110% of it — so confirm your exact amount with the PHA that issued the voucher.

How Cincinnati, OH-KY-IN compares

Its internal spread of 1.58× (p90 ÷ p10) ranks 31 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.23×. See the full ranking and how it was measured →

A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.

This page shows official HUD Fair Market Rent data for general educational use — it is not legal, financial, or housing advice, and is not a guarantee of any voucher amount. Your local Public Housing Authority sets the actual payment standard and approves rents. Always confirm with your PHA and the official HUD FMR data.

Check a rent against a ZIP code → All 247 metro areas →