Renting · Section 8
Data from November 2026
Renting in Mercer County, Ohio
Mercer County has a HUD fair market rent of $1,008 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $804 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $19.38 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,008
- a month, HUD, Fiscal year 2027
- 21% less than in Ohio
- Typical rent
- $804
- a month, Census, Average 2020–2024
- 22% less than in Ohio
- Wage needed
- $19.38
- an hour, 2 bedrooms
- Or $40,320 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 37%
- spend 30% or more of income on rent
- 20% less than in Ohio
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Mercer County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $762 | $14.65 | $30,480 |
| 1 bedroom | $807 | $15.52 | $32,280 |
| 2 bedrooms | $1,008 | $19.38 | $40,320 |
| 3 bedrooms | $1,258 | $24.19 | $50,320 |
| 4 bedrooms | $1,394 | $26.81 | $55,760 |
HUD area: Mercer County, OH. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 17 ZIP codes in Mercer County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,000 in 45826 to $1,130 in 45310. 5 ZIP codes are above the county's fair market rent ($1,008).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 45310 | Darke County, OH | $890 | $920 | $1,130 | $1,470 | $1,550 |
|---|---|---|---|---|---|---|
| 45310 | Mercer County, OH | $890 | $920 | $1,130 | $1,470 | $1,550 |
| 45822 | Auglaize County, OH | $780 | $820 | $1,030 | $1,290 | $1,510 |
| 45822 | Mercer County, OH | $780 | $820 | $1,030 | $1,290 | $1,510 |
| 45826 | Mercer County, OH | $760 | $800 | $1,000 | $1,250 | $1,390 |
| 45828 | Mercer County, OH | $760 | $800 | $1,000 | $1,250 | $1,390 |
| 45846 | Darke County, OH | $760 | $800 | $1,000 | $1,260 | $1,380 |
| 45846 | Mercer County, OH | $760 | $800 | $1,000 | $1,260 | $1,380 |
| 45860 | Darke County, OH | $760 | $800 | $1,000 | $1,250 | $1,390 |
| 45860 | Mercer County, OH | $760 | $800 | $1,000 | $1,250 | $1,390 |
| 45862 | Auglaize County, OH | $760 | $800 | $1,000 | $1,260 | $1,510 |
| 45862 | Mercer County, OH | $760 | $800 | $1,000 | $1,260 | $1,510 |
| 45866 | Mercer County, OH | $780 | $820 | $1,030 | $1,290 | $1,420 |
| 45882 | Mercer County, OH | $760 | $800 | $1,000 | $1,250 | $1,390 |
| 45882 | Van Wert County, OH | $760 | $800 | $1,000 | $1,250 | $1,390 |
| 45883 | Darke County, OH | $760 | $800 | $1,000 | $1,250 | $1,390 |
| 45883 | Mercer County, OH | $760 | $800 | $1,000 | $1,250 | $1,390 |
- 45310 · Darke County, OH $1,130$1,470
- 45310 · Mercer County, OH $1,130$1,470
- 45822 · Auglaize County, OH $1,030$1,290
- 45822 · Mercer County, OH $1,030$1,290
- 45826 · Mercer County, OH $1,000$1,250
- 45828 · Mercer County, OH $1,000$1,250
- 45846 · Darke County, OH $1,000$1,260
- 45846 · Mercer County, OH $1,000$1,260
- 45860 · Darke County, OH $1,000$1,250
- 45860 · Mercer County, OH $1,000$1,250
- 45862 · Auglaize County, OH $1,000$1,260
- 45862 · Mercer County, OH $1,000$1,260
- 45866 · Mercer County, OH $1,030$1,290
- 45882 · Mercer County, OH $1,000$1,250
- 45882 · Van Wert County, OH $1,000$1,250
- 45883 · Darke County, OH $1,000$1,250
- 45883 · Mercer County, OH $1,000$1,250
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Mercer County, 37% of renter households are in that position; in Ohio, 46%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
37%
of renter households spend 30% or more of their income on rent.
3,355 households rent in Mercer County
- Spend half or more of their income 9%
- Spend 30% or more, but less than half 28%
- Spend less than 30% 63%
Compared with the state and the country
- Mercer 37%
- Ohio 46%
- United States 51%
Low-income apartments
Low-income apartments in Mercer County
HUD lists 8 properties with homes for low-income households in Mercer County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 8
- HUD-assisted
- 2
354 homes in all; 293 of them low-income, according to HUD.
- Williamsburg Square Tax credit (LIHTC) · HUD-assisted 1400 W Market St, Celina 45822 71 low-income homes · 2 bd: 47 · 3 bd: 20 · 4 bd: 4 · In service since 2005 · For families · (419) 586-2850
- Meadows at Grand Lake Tax credit (LIHTC) 1400 Meadowview Dr, Celina 45822 59 low-income homes · 2 bd: 25 · 3 bd: 34 · In service since 1999 · For older adults
- Eastown Village Apts Tax credit (LIHTC) 812 Pro Dr, Celina 45822 48 low-income homes · In service since 1991
- Mackinaw Retirement Village Tax credit (LIHTC) 500 W Wayne St, Celina 45822 32 low-income homes · 1 bd: 16 · 2 bd: 16 · In service since 2010 · For older adults
- Celina Gardens Tax credit (LIHTC) · HUD-assisted 710 Devonshire Dr, Celina 45822 32 homes, 31 low-income · 2 bd: 16 · 3 bd: 12 · 4 bd: 4 · In service since 2007 · For families · (419) 586-6311
- Villa Allegra Tax credit (LIHTC) 808 Pro Dr, Celina 45822 28 low-income homes · In service since 1988
- Rockford Villa Tax credit (LIHTC) 419 N Holly Dr, Rockford 45882 24 low-income homes · 1 bd: 24 · In service since 1994
- The Meadows at Grand Lakes Apts Tax credit (LIHTC) 1470 Meadowview Dr, Celina 45822 60 homes
2 properties have two programs at the same address and appear once. Search HUD's map
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Mercer County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. A public housing agency runs it. HUD lists none with an office in Mercer County; the state's agencies can help you. Here is what the rules say:
The rules, with their source
-
You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
-
Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
-
Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
-
If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
-
When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
-
Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $21,500 | $35,850 | $57,350 |
| 2 people | $24,600 | $41,000 | $65,550 |
| 3 people | $27,650 | $46,100 | $73,750 |
| 4 people | $33,000 | $51,200 | $81,900 |
| 5 people | $38,680 | $55,300 | $88,500 |
| 6 people | $44,360 | $59,400 | $95,050 |
| 7 people | $50,040 | $63,500 | $101,600 |
| 8 people | $55,720 | $67,600 | $108,150 |
Area median income: $102,400. HUD income limits by family size, Fiscal year 2026. Area: Mercer County, OH. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $686 – $838
- 1 bedroom $726 – $888
- 2 bedrooms $907 – $1,109
- 3 bedrooms $1,132 – $1,384
- 4 bedrooms $1,255 – $1,533
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
HUD lists no housing agency with an office in Mercer County. You can apply at another agency in your state: you do not have to live where you apply. Source: HUD
Your rights as a tenant in Ohio
What Ohio law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- When must they return my deposit?
- 30 days
- Ohio Rev. Code §5321.16(B)
- If I fall behind on rent, what notice must I get?
- 3 days
- Ohio Rev. Code §1923.04(A)
- How much notice ends a month-to-month rental?
- 30 days
- Ohio Rev. Code §5321.17(B)
- Only a court order can remove youOhio Rev. Code §5321.15(A)
- Protection from retaliationOhio Rev. Code §5321.02(A)
Help
Where to get help with rent in Mercer County
These are the nearest HUD-approved agencies. They counsel for free or at low cost.
-
West Ohio Community Action Partnership
540 S Central Ave, Lima · 31 miles away
- Mortgage delinquency workshops
- Budget and financial counseling
- and 6 more
-
Nid-Hca Trotwood
4000 Lake Center Dr, Trotwood · 53 miles away
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 8 more
-
Nid-Hca Dayton
4403 N Main St, 1st FL, Dayton · 55 miles away
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 7 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Mercer County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Ohio, the average home bill was $135 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$2,016
What you need before you get the keys.
What adds up
- First month
- $1,008
- Security deposit
- $1,008
- Total
- $2,016
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Mercer County?
According to HUD (Fiscal year 2027): Studio: $762; 1 bedroom: $807; 2 bedrooms: $1,008; 3 bedrooms: $1,258; 4 bedrooms: $1,394. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Mercer County?
Paying the 2-bedroom fair market rent ($1,008) without spending more than 30% of income takes $19.38 an hour full time, or $40,320 a year.
Who qualifies for Section 8 in Mercer County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $51,200 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Mercer County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $907 and $1,109 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Mercer County?
For 2 bedrooms they run from $1,000 in 45826 to $1,130 in 45310. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Mercer County?
HUD lists 8 properties with homes for low-income households in Mercer County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Mercer County?
HUD counts rent as a burden when it reaches 30% of income or more. In Mercer County, 37% of renter households are in that position; in Ohio, 46%, and nationwide, 51% (Average 2020–2024, Census).