Renting · Section 8
Data from November 2026
Renting in Miami County, Ohio
Miami County has a HUD fair market rent of $1,248 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $966 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $24.00 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,248
- a month, HUD, Fiscal year 2027
- 2% less than in Ohio
- Typical rent
- $966
- a month, Census, Average 2020–2024
- 7% less than in Ohio
- Wage needed
- $24.00
- an hour, 2 bedrooms
- Or $49,920 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 43%
- spend 30% or more of income on rent
- 6% less than in Ohio
Only here
Renting in Miami County: what sets it apart
What this place has that others do not, from public data, most unusual first.
-
Nearby, in Darke County, the typical rent is $779: 19% less than in Miami County ($966).
Sources: U.S. Census Bureau (Average 2020–2024).
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 Miami 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)
According to Zillow (ZORI), the typical asking rent in Miami County was $1,340 a month in September 2026: 2.5% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $909 | $17.48 | $36,360 |
| 1 bedroom | $1,008 | $19.38 | $40,320 |
| 2 bedrooms | $1,248 | $24.00 | $49,920 |
| 3 bedrooms | $1,623 | $31.21 | $64,920 |
| 4 bedrooms | $1,774 | $34.12 | $70,960 |
HUD area: Dayton-Kettering-Beavercreek, OH MSA. 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 18 ZIP codes in Miami County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,000 in 45318 to $1,740 in 45361. 7 ZIP codes are above the county's fair market rent ($1,248).
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)
| 45312 | Champaign County, OH | $990 | $1,100 | $1,360 | $1,770 | $1,930 |
|---|---|---|---|---|---|---|
| 45312 | Dayton-Kettering-Beavercreek, OH | $990 | $1,100 | $1,360 | $1,770 | $1,930 |
| 45312 | Springfield, OH | $990 | $1,100 | $1,360 | $1,770 | $1,930 |
| 45318 | Darke County, OH | $730 | $810 | $1,000 | $1,300 | $1,430 |
| 45318 | Dayton-Kettering-Beavercreek, OH | $730 | $810 | $1,000 | $1,300 | $1,430 |
| 45326 | Dayton-Kettering-Beavercreek, OH | $880 | $970 | $1,210 | $1,580 | $1,710 |
| 45326 | Shelby County, OH | $880 | $970 | $1,210 | $1,580 | $1,710 |
| 45337 | Darke County, OH | $1,050 | $1,150 | $1,410 | $1,850 | $1,990 |
| 45337 | Dayton-Kettering-Beavercreek, OH | $1,050 | $1,150 | $1,410 | $1,850 | $1,990 |
| 45339 | Dayton-Kettering-Beavercreek, OH | $810 | $880 | $1,100 | $1,430 | $1,570 |
| 45356 | Dayton-Kettering-Beavercreek, OH | $840 | $940 | $1,160 | $1,510 | $1,650 |
| 45356 | Shelby County, OH | $840 | $940 | $1,160 | $1,510 | $1,650 |
| 45359 | Dayton-Kettering-Beavercreek, OH | $730 | $810 | $1,000 | $1,300 | $1,430 |
| 45361 | Dayton-Kettering-Beavercreek, OH | $1,270 | $1,410 | $1,740 | $2,260 | $2,470 |
| 45371 | Dayton-Kettering-Beavercreek, OH | $990 | $1,100 | $1,360 | $1,770 | $1,930 |
| 45373 | Dayton-Kettering-Beavercreek, OH | $850 | $940 | $1,170 | $1,520 | $1,660 |
| 45383 | Darke County, OH | $810 | $900 | $1,110 | $1,440 | $1,580 |
| 45383 | Dayton-Kettering-Beavercreek, OH | $810 | $900 | $1,110 | $1,440 | $1,580 |
- 45312 · Champaign County, OH $1,360$1,770
- 45312 · Dayton-Kettering-Beavercreek, OH $1,360$1,770
- 45312 · Springfield, OH $1,360$1,770
- 45318 · Darke County, OH $1,000$1,300
- 45318 · Dayton-Kettering-Beavercreek, OH $1,000$1,300
- 45326 · Dayton-Kettering-Beavercreek, OH $1,210$1,580
- 45326 · Shelby County, OH $1,210$1,580
- 45337 · Darke County, OH $1,410$1,850
- 45337 · Dayton-Kettering-Beavercreek, OH $1,410$1,850
- 45339 · Dayton-Kettering-Beavercreek, OH $1,100$1,430
- 45356 · Dayton-Kettering-Beavercreek, OH $1,160$1,510
- 45356 · Shelby County, OH $1,160$1,510
- 45359 · Dayton-Kettering-Beavercreek, OH $1,000$1,300
- 45361 · Dayton-Kettering-Beavercreek, OH $1,740$2,260
- 45371 · Dayton-Kettering-Beavercreek, OH $1,360$1,770
- 45373 · Dayton-Kettering-Beavercreek, OH $1,170$1,520
- 45383 · Darke County, OH $1,110$1,440
- 45383 · Dayton-Kettering-Beavercreek, OH $1,110$1,440
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 Miami County, 43% 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.
43%
of renter households spend 30% or more of their income on rent.
11,930 households rent in Miami County
- Spend half or more of their income 22%
- Spend 30% or more, but less than half 21%
- Spend less than 30% 57%
Compared with the state and the country
- Miami 43%
- Ohio 46%
- United States 51%
Low-income apartments
Low-income apartments in Miami County
HUD lists 24 properties with homes for low-income households in Miami County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 14
- HUD-assisted
- 12
- public housing
- 1
1,499 homes in all; 1,440 of them low-income, according to HUD.
- Terrace Ridge Apartments HUD-assisted 1312 McKaig Ave, Troy 45373 168 homes, 167 low-income · For older adults · (937) 335-6950
- Terrace Ridge Apts Tax credit (LIHTC) 67 Cloverleaf Dr, Troy 45373 167 low-income homes · Studio: 50 · 1 bd: 80 · 2 bd: 37 · In service since 1997
- Floral View Public housing 1 W Franklin St, Troy 45373 127 low-income homes · Run by Miami Metropolitian Housing Authority · Average payment: $407 a month · Average wait: 19 months · (937) 339-2111
- Bent Tree Apts Tax credit (LIHTC) 1252 Garbry Rd, Piqua 45356 83 low-income homes · 2 bd: 69 · 3 bd: 14 · In service since 1996
- Wind Ridge Apts Tax credit (LIHTC) 577 Wind Ridge Pl, Tipp City 45371 83 low-income homes · 2 bd: 69 · 3 bd: 14 · In service since 1997
- Liberty Commons Tax credit (LIHTC) · HUD-assisted 101 Rohrer Dr, Tipp City 45371 81 low-income homes · 1 bd: 81 · In service since 2006 · For older adults · (937) 667-3650
- Piqua Senior Apts Tax credit (LIHTC) 316 N College St, Piqua 45356 78 low-income homes · Studio: 12 · 1 bd: 36 · 2 bd: 30 · In service since 1996
- Piqua Village Apts Tax credit (LIHTC) · HUD-assisted 1345 Covington Ave, Piqua 45356 65 low-income homes · 1 bd: 30 · 2 bd: 22 · 3 bd: 8 · 4 bd: 5 · In service since 2006 · For older adults · (937) 773-9537
- Garden Manor Apartments HUD-assisted 505 Crescent Dr, Troy 45373 66 homes, 56 low-income · For families · (937) 335-4027
- Forest Park Tax credit (LIHTC) 1114 Sanlor Ave, West Milton 45383 52 low-income homes · 1 bd: 4 · 2 bd: 36 · 3 bd: 12 · In service since 2009 · For families
- New Forest Park LTD HUD-assisted 1140 Sanlor Ave, West Milton 45383 52 low-income homes · For families · (937) 698-4712
- Buckeye Community Apts Tax credit (LIHTC) 580 Staunton Commons Dr, Troy 45373 44 low-income homes · In service since 1994
- Carriage Trails Senior Village II Tax credit (LIHTC) 1000 Waterside Cir, Tipp City 45371 43 low-income homes · 2 bd: 43 · In service since 2018 · For older adults
- Princeton Village HUD-assisted 68 Bevonne Ct, West Milton 45383 40 low-income homes · For older adults
- New Staunton Commons , LTD. HUD-assisted 555 Staunton Commons Dr, Troy 45373 36 homes, 35 low-income · For families · (937) 339-2893
- Staunton Commons Tax credit (LIHTC) 510 W Water St, Troy 45373 36 homes, 35 low-income · 2 bd: 22 · 3 bd: 8 · 4 bd: 6 · In service since 2007 · For families
- Greenville Village Tax credit (LIHTC) 5 Julie Ct, Covington 45318 35 low-income homes · 2 bd: 20 · 3 bd: 13 · 4 bd: 2 · In service since 2003
- Greenville Village HUD-assisted 6 Julie Ct, Covington 45318 35 low-income homes · For families · (937) 473-3572
- Carriage Trails Senior Village Tax credit (LIHTC) 1000 Waterside Cir, Tipp City 45371 34 low-income homes · 2 bd: 34 · In service since 2012 · For older adults
- Mckinley Commons Tax credit (LIHTC) 240 S Main St, West Milton 45383 33 low-income homes · Studio: 8 · 1 bd: 24 · 2 bd: 1 · In service since 2005 · For older adults
- Roosevelt Manor HUD-assisted 500 S Roosevelt Ave, Piqua 45356 30 low-income homes · For older adults
- Sunset Square HUD-assisted 1851 W Grant St, Piqua 45356 30 low-income homes · For older adults · (937) 778-0806
- Staunton Commons II Tax credit (LIHTC) · HUD-assisted 500 Staunton Commons Dr, Troy 45373 29 low-income homes · 1 bd: 29 · In service since 2015 · For older adults · (937) 339-2893
- Wood Street Lofts HUD-assisted 428 Wood St, Piqua 45356 52 homes, 6 low-income · (937) 615-6142
3 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 Miami County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 1 agency serves in Miami County. Here is what the rules say:
The rules, with their source
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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
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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)
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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)
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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
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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 | $21,650 | $36,050 | $57,700 |
| 2 people | $24,750 | $41,200 | $65,950 |
| 3 people | $27,850 | $46,350 | $74,200 |
| 4 people | $33,000 | $51,500 | $82,400 |
| 5 people | $38,680 | $55,650 | $89,000 |
| 6 people | $44,360 | $59,750 | $95,600 |
| 7 people | $50,040 | $63,900 | $102,200 |
| 8 people | $55,720 | $68,000 | $108,800 |
Area median income: $103,000. HUD income limits by family size, Fiscal year 2026. Area: Dayton-Kettering-Beavercreek, OH MSA. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $818 – $1,000
- 1 bedroom $907 – $1,109
- 2 bedrooms $1,123 – $1,373
- 3 bedrooms $1,461 – $1,785
- 4 bedrooms $1,597 – $1,951
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
- Miami Metropolitian Housing Authority Public housing and Section 8 vouchers · 991 vouchers · 127 public housing units (937) 339-2111 Miami Metropolitian Housing Authority: andriab@miamimhacac.org
Housing agencies in Ohio Source: HUD, Retrieved November 6, 2026
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 Miami County
These are the nearest HUD-approved agencies. They counsel for free or at low cost.
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Nid-Hca Dayton
4403 N Main St, 1st FL, Dayton · 17 miles away
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 7 more
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Nid-Hca Trotwood
4000 Lake Center Dr, Trotwood · 18 miles away
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 8 more
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Greenpath Financial Wellness
2465 Executive Park Blvd, Fairborn · 21 miles away · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 3 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Miami 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
$2,496
What you need before you get the keys.
What adds up
- First month
- $1,248
- Security deposit
- $1,248
- Total
- $2,496
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 Miami County?
According to HUD (Fiscal year 2027): Studio: $909; 1 bedroom: $1,008; 2 bedrooms: $1,248; 3 bedrooms: $1,623; 4 bedrooms: $1,774. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Miami County?
Paying the 2-bedroom fair market rent ($1,248) without spending more than 30% of income takes $24.00 an hour full time, or $49,920 a year.
Who qualifies for Section 8 in Miami County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $51,500 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 Miami 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 $1,123 and $1,373 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Miami County?
For 2 bedrooms they run from $1,000 in 45318 to $1,740 in 45361. 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 Miami County?
HUD lists 24 properties with homes for low-income households in Miami County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. 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 Miami County?
HUD counts rent as a burden when it reaches 30% of income or more. In Miami County, 43% of renter households are in that position; in Ohio, 46%, and nationwide, 51% (Average 2020–2024, Census).