Toledo, OH: 2-bedroom payment standards across 54 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Toledo, OH MSA range from $970 to $1,610 for a 2-bedroom. The 90th-percentile ZIP code runs 1.29× the 10th — a gap of $279 a month — which ranks 174th widest of the 247 HUD metro areas we compare.

ZIP-level standards are optional here. Toledo, OH is not one of HUD's 65 designated Small Area FMR areas, so a housing authority may set one payment standard for the whole area, or adopt ZIP-level exception standards of up to 110% of a ZIP's published SAFMR. Where a single area-wide standard is used, the 12 ZIP codes below marked "above 110%" sit above the highest ceiling that basic policy reaches. Confirm what applies with the PHA that issued the voucher.

$1,080

median 2-bedroom SAFMR across the area's 54 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,188 at 110%.

$279

monthly gap between the 90th- and 10th-percentile ZIP code ($976 to $1,255).

22.2%

of the area's ZIP codes (12 of 54) sit above $1,188 — 110% of the area median.

Highest-rent ZIP codes in Toledo, OH

2 BR Small Area FMR area median across all 54 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 — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.

Filter by ZIP code

Showing 54 of 54 ZIP codes

#	ZIP code	2 BR SAFMR ▾	Payment standard (90–110%)	vs area median
1	43541	$1,610	$1,449–$1,771	above 110%
2	43566	$1,510	$1,359–$1,661	above 110%
3	43551	$1,370	$1,233–$1,507	above 110%
4	43412	$1,320	$1,188–$1,452	above 110%
5	43466	$1,280	$1,152–$1,408	above 110%
6	43528	$1,270	$1,143–$1,397	above 110%
7	43540	$1,220	$1,098–$1,342	above 110%
8	43560	$1,220	$1,098–$1,342	above 110%
9	43617	$1,220	$1,098–$1,342	above 110%
10	43445	$1,200	$1,080–$1,320	above 110%
11	43447	$1,200	$1,080–$1,320	above 110%
12	43615	$1,190	$1,071–$1,309	above 110%
13	43413	$1,180	$1,062–$1,298	109%
14	43504	$1,170	$1,053–$1,287	108%
15	43529	$1,150	$1,035–$1,265	106%
16	43537	$1,150	$1,035–$1,265	106%
17	43542	$1,150	$1,035–$1,265	106%
18	43565	$1,140	$1,026–$1,254	106%
19	43612	$1,130	$1,017–$1,243	105%
20	43441	$1,100	$990–$1,210	102%
21	43552	$1,100	$990–$1,210	102%
22	43609	$1,100	$990–$1,210	102%
23	43525	$1,090	$981–$1,199	101%
24	43547	$1,090	$981–$1,199	101%
25	43402	$1,080	$972–$1,188	100%
26	43403	$1,080	$972–$1,188	100%
27	43414	$1,080	$972–$1,188	100%
28	43434	$1,080	$972–$1,188	100%
29	43437	$1,080	$972–$1,188	100%
30	43605	$1,080	$972–$1,188	100%
31	43635	$1,080	$972–$1,188	100%
32	43462	$1,070	$963–$1,177	99%
33	43606	$1,070	$963–$1,177	99%
34	43558	$1,060	$954–$1,166	98%
35	43613	$1,060	$954–$1,166	98%
36	43623	$1,060	$954–$1,166	98%
37	43465	$1,030	$927–$1,133	95%
38	43571	$1,030	$927–$1,133	95%
39	43607	$1,030	$927–$1,133	95%
40	43463	$1,020	$918–$1,122	94%
41	43611	$1,020	$918–$1,122	94%
42	43616	$1,020	$918–$1,122	94%
43	43610	$1,010	$909–$1,111	94%
44	43614	$1,010	$909–$1,111	94%
45	43619	$1,010	$909–$1,111	94%
46	43467	$1,000	$900–$1,100	93%
47	43460	$990	$891–$1,089	92%
48	43533	$990	$891–$1,089	92%
49	43451	$970	$873–$1,067	90%
50	43553	$970	$873–$1,067	90%
51	43569	$970	$873–$1,067	90%
52	43604	$970	$873–$1,067	90%
53	43608	$970	$873–$1,067	90%
54	43620	$970	$873–$1,067	90%

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 Toledo, OH compares

Its internal spread of 1.29× (p90 ÷ p10) ranks 174 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 1.14×. 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 →