Renting · Section 8
Data from November 2026
Renting in Warren County, Ohio
Warren County has a HUD fair market rent of $1,442 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,361 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $27.73 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,442
- a month, HUD, Fiscal year 2027
- 13% more than in Ohio
- Typical rent
- $1,361
- a month, Census, Average 2020–2024
- 32% more than in Ohio
- Wage needed
- $27.73
- an hour, 2 bedrooms
- Or $57,680 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 41%
- spend 30% or more of income on rent
- 10% less than in Ohio
Only here
Renting in Warren County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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At $1,361, Warren County ranks 2nd among the 88 counties in Ohio for the highest typical rent.
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At $110,132, Warren County ranks 3rd among the 88 counties in Ohio for the highest typical household income.
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Warren County has the highest typical rent in its area: $1,361, more than any of its 6 neighboring counties; next is Butler County ($1,135).
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 Warren 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 Warren County was $1,949 a month in September 2026: 1.8% 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 | $1,052 | $20.23 | $42,080 |
| 1 bedroom | $1,128 | $21.69 | $45,120 |
| 2 bedrooms | $1,442 | $27.73 | $57,680 |
| 3 bedrooms | $1,897 | $36.48 | $75,880 |
| 4 bedrooms | $2,141 | $41.17 | $85,640 |
HUD area: Cincinnati, OH-KY-IN HUD Metro FMR Area. 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 16 ZIP codes in Warren County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,160 in 45032 to $2,160 in 45040. 12 ZIP codes are above the county's fair market rent ($1,442).
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)
| 45005 | Cincinnati, OH-KY-IN | $980 | $1,060 | $1,350 | $1,780 | $2,000 |
|---|---|---|---|---|---|---|
| 45005 | Dayton-Kettering-Beavercreek, OH | $980 | $1,060 | $1,350 | $1,780 | $2,000 |
| 45032 | Cincinnati, OH-KY-IN | $850 | $910 | $1,160 | $1,530 | $1,720 |
| 45034 | Cincinnati, OH-KY-IN | $1,480 | $1,580 | $2,030 | $2,660 | $3,010 |
| 45036 | Cincinnati, OH-KY-IN | $1,050 | $1,130 | $1,440 | $1,890 | $2,140 |
| 45039 | Cincinnati, OH-KY-IN | $1,530 | $1,640 | $2,100 | $2,760 | $3,120 |
| 45040 | Cincinnati, OH-KY-IN | $1,580 | $1,690 | $2,160 | $2,840 | $3,210 |
| 45054 | Cincinnati, OH-KY-IN | $1,120 | $1,200 | $1,530 | $2,010 | $2,300 |
| 45065 | Cincinnati, OH-KY-IN | $1,380 | $1,480 | $1,890 | $2,490 | $2,810 |
| 45066 | Cincinnati, OH-KY-IN | $1,460 | $1,570 | $2,000 | $2,630 | $2,960 |
| 45066 | Dayton-Kettering-Beavercreek, OH | $1,460 | $1,570 | $2,000 | $2,630 | $2,960 |
| 45068 | Cincinnati, OH-KY-IN | $1,270 | $1,360 | $1,740 | $2,280 | $2,580 |
| 45068 | Clinton County, OH | $1,270 | $1,360 | $1,740 | $2,280 | $2,580 |
| 45068 | Dayton-Kettering-Beavercreek, OH | $1,270 | $1,360 | $1,740 | $2,280 | $2,580 |
| 45152 | Cincinnati, OH-KY-IN | $1,070 | $1,150 | $1,470 | $1,930 | $2,180 |
| 45162 | Cincinnati, OH-KY-IN | $1,260 | $1,350 | $1,730 | $2,280 | $2,570 |
- 45005 · Cincinnati, OH-KY-IN $1,350$1,780
- 45005 · Dayton-Kettering-Beavercreek, OH $1,350$1,780
- 45032 · Cincinnati, OH-KY-IN $1,160$1,530
- 45034 · Cincinnati, OH-KY-IN $2,030$2,660
- 45036 · Cincinnati, OH-KY-IN $1,440$1,890
- 45039 · Cincinnati, OH-KY-IN $2,100$2,760
- 45040 · Cincinnati, OH-KY-IN $2,160$2,840
- 45054 · Cincinnati, OH-KY-IN $1,530$2,010
- 45065 · Cincinnati, OH-KY-IN $1,890$2,490
- 45066 · Cincinnati, OH-KY-IN $2,000$2,630
- 45066 · Dayton-Kettering-Beavercreek, OH $2,000$2,630
- 45068 · Cincinnati, OH-KY-IN $1,740$2,280
- 45068 · Clinton County, OH $1,740$2,280
- 45068 · Dayton-Kettering-Beavercreek, OH $1,740$2,280
- 45152 · Cincinnati, OH-KY-IN $1,470$1,930
- 45162 · Cincinnati, OH-KY-IN $1,730$2,280
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 Warren County, 41% 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.
41%
of renter households spend 30% or more of their income on rent.
18,968 households rent in Warren County
- Spend half or more of their income 22%
- Spend 30% or more, but less than half 19%
- Spend less than 30% 59%
Compared with the state and the country
- Warren 41%
- Ohio 46%
- United States 51%
Low-income apartments
Low-income apartments in Warren County
HUD lists 30 properties with homes for low-income households in Warren 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)
- 12
- HUD-assisted
- 16
- public housing
- 2
2,236 homes in all; 2,171 of them low-income, according to HUD.
- Cedars at River Bend Tax credit (LIHTC) 4885 Cross Key Dr, South Lebanon 45065 176 low-income homes · 1 bd: 80 · 2 bd: 80 · 3 bd: 16 · In service since 2005
- Emerald Edge Apts Tax credit (LIHTC) 53 Boulder Dr, Franklin 45005 170 low-income homes · 1 bd: 64 · 2 bd: 88 · 3 bd: 18 · In service since 1998
- Mae Smith/Wellsbridge Public housing 990 E Ridge Dr, Lebanon 45036 127 homes, 126 low-income · Run by Warren Metropolitian Housing Authority · Average payment: $458 a month · Average wait: 40 months · Homes at several sites · (513) 695-3380
- Meadow View Apts Tax credit (LIHTC) 15 Woodhill Dr, Springboro 45066 120 low-income homes · 1 bd: 24 · 2 bd: 48 · 3 bd: 48 · In service since 1994
- Robin Springs Tax credit (LIHTC) 6930 Mount Vernon St, Middletown 45044 120 homes, 119 low-income · Studio: 8 · 1 bd: 14 · 2 bd: 24 · 3 bd: 58 · 4 bd: 16 · In service since 2005
- Sanctuary at Springboro Tax credit (LIHTC) 8683 Clearcreek Franklin Rd, Springboro 45066 118 low-income homes · Studio: 29 · 1 bd: 89 · In service since 2019
- Franklin Commons HUD-assisted 959 Franklin Commons Cir, Franklin 45005 114 low-income homes · For families · (937) 746-0106
- Franklin Woods Tax credit (LIHTC) 944 Franklin Commons Cir, Franklin 45005 114 low-income homes · 1 bd: 18 · 2 bd: 70 · 3 bd: 26 · In service since 2007
- La Luz Apartments HUD-assisted 489 La Luz Blvd, Lebanon 45036 94 low-income homes · For families · (513) 932-5296
- Franklin Court HUD-assisted 276A Victory Ln, Franklin 45005 94 homes, 93 low-income · For families · (937) 746-8193
- Springboro Sherman HUD-assisted 30 N Pioneer Blvd, Springboro 45066 94 homes, 92 low-income · For people with disabilities · (513) 746-0996
- Deerfield Commons HUD-assisted 5629 Deerfield Cir, Mason 45040 80 low-income homes · For older adults · (513) 398-4028
- Franklin Rehab Public housing 2512 Brookview Dr, Middletown 45044 80 low-income homes · Run by Warren Metropolitian Housing Authority · Average payment: $384 a month · Average wait: 37 months · Homes at several sites · (513) 695-3380
- Hunters Run Tax credit (LIHTC) 1030 Hunters Run Dr, Lebanon 45036 62 low-income homes · 3 bd: 62 · In service since 1995
- Harding House HUD-assisted 425 Mission Ln, Franklin 45005 60 low-income homes · For older adults · (513) 746-0506
- Timbercreek Apts Tax credit (LIHTC) 25 Clearcreek Franklin Rd, Springboro 45066 60 low-income homes · 2 bd: 50 · 3 bd: 10 · In service since 1996
- Hunters Run II Tax credit (LIHTC) 1030 Hunters Run Dr, Lebanon 45036 52 low-income homes · In service since 1994
- Salem House HUD-assisted 8080 S State Route 48, Maineville 45039 50 low-income homes · For older adults · (513) 683-6737
- Berry Wood HUD-assisted 3394 Townsley Dr, Loveland 45140 48 homes, 47 low-income · For older adults · (513) 683-5538
- Colony Square Village Tax credit (LIHTC) 118 Dave Ave, Lebanon 45036 42 low-income homes · 3 bd: 42 · In service since 1997
- Union Village HUD-assisted 327 N Section St, South Lebanon 45065 42 homes, 41 low-income · For older adults · (513) 494-1055
- Carriage Hill DBA Waynesville Commons HUD-assisted 200 Adamsmoor Dr, Waynesville 45068 40 homes, 39 low-income · For older adults · (513) 897-4314
- Earl J. Maag Retirement Community HUD-assisted 124 Pamela Dr, Morrow 45152 40 homes, 39 low-income · For older adults · (513) 899-6502
- Meadow Crossing HUD-assisted 825 Central Ave, Carlisle 45005 36 homes, 35 low-income · For older adults · (937) 743-9807
- Station Hill HUD-assisted 114 Dave Ave, Lebanon 45036 36 homes, 35 low-income · For older adults · (513) 932-6940
- Hopkins Commons Tax credit (LIHTC) 7856 S State Route 48, Maineville 45039 33 low-income homes · 1 bd: 21 · 2 bd: 12 · In service since 2018 · For older adults
- Bentley Woods HUD-assisted 852 Franklin Rd, Lebanon 45036 30 low-income homes · For older adults · (513) 228-1475
- Cedar Terrace HUD-assisted 6 S Cherry St, Lebanon 45036 30 low-income homes · For older adults · (513) 932-5792
- Lebanon Commons Apts Tax credit (LIHTC) 343 Columbus Ave, Lebanon 45036 20 low-income homes · 2 bd: 20 · In service since 2004
- Springboro Glen HUD-assisted 301 Sherman Dr, Franklin 45005 54 homes · For older adults · (937) 746-0934
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 Warren 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 Warren 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)
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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 | $23,100 | $38,500 | $61,550 |
| 2 people | $26,400 | $44,000 | $70,350 |
| 3 people | $29,700 | $49,500 | $79,150 |
| 4 people | $33,000 | $54,950 | $87,900 |
| 5 people | $38,680 | $59,350 | $94,950 |
| 6 people | $44,360 | $63,750 | $102,000 |
| 7 people | $50,040 | $68,150 | $109,000 |
| 8 people | $55,720 | $72,550 | $116,050 |
Area median income: $109,900. HUD income limits by family size, Fiscal year 2026. Area: Cincinnati, OH-KY-IN HUD Metro FMR Area. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $947 – $1,157
- 1 bedroom $1,015 – $1,241
- 2 bedrooms $1,298 – $1,586
- 3 bedrooms $1,707 – $2,087
- 4 bedrooms $1,927 – $2,355
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
- Warren Metropolitian Housing Authority Public housing and Section 8 vouchers · 829 vouchers · 206 public housing units (513) 695-3380 Warren Metropolitian Housing Authority: housing@warrenmha.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 Warren County
These are the nearest HUD-approved agencies. They counsel for free or at low cost.
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Greenpath Financial Wellness
2465 Executive Park Blvd, Fairborn · 25 miles away · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 3 more
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Nid-Hca Dayton
4403 N Main St, 1st FL, Dayton · 26 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 Warren 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
$2,884
What you need before you get the keys.
What adds up
- First month
- $1,442
- Security deposit
- $1,442
- Total
- $2,884
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 Warren County?
According to HUD (Fiscal year 2027): Studio: $1,052; 1 bedroom: $1,128; 2 bedrooms: $1,442; 3 bedrooms: $1,897; 4 bedrooms: $2,141. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Warren County?
Paying the 2-bedroom fair market rent ($1,442) without spending more than 30% of income takes $27.73 an hour full time, or $57,680 a year.
Who qualifies for Section 8 in Warren County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $54,950 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 Warren 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 $1,298 and $1,586 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Warren County?
For 2 bedrooms they run from $1,160 in 45032 to $2,160 in 45040. 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 Warren County?
HUD lists 30 properties with homes for low-income households in Warren 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 Warren County?
HUD counts rent as a burden when it reaches 30% of income or more. In Warren County, 41% of renter households are in that position; in Ohio, 46%, and nationwide, 51% (Average 2020–2024, Census).