Look up HUD rent benchmarks by bedroom and ZIP code, then estimate cash flow with your own price and costs.
HUD rent dataCincinnati, OH-KY-IN HUD Metro FMR Area
3-bedroom gross-rent benchmark
$1,785 / month
+4.6% from FY2025.
FY2026 · effective Oct 1, 2025
Includes tenant-paid utilities. A benchmark, not an approved rent or property-specific estimate.
Published rent benchmarks
FY2025
$1,707
FY2026
$1,785
FY2027
$1,897
HUD schedules for the selected bedroom count. Changes are not a rent forecast.
Cincinnati, OH-KY-IN HUD Metro FMR Area · Monthly gross rents
Bedroom count
FY2025
FY2026 · current
FY2027 · upcoming
Studio
$883
$958
$1,052
1 bedroom
$993
$1,051
$1,128
2 bedrooms
$1,287
$1,353
$1,442
3 bedrooms
$1,707
$1,785
$1,897
4 bedrooms
$1,885
$1,976
$2,141
FY2026 HUD area coverage: Dearborn County, IN; Ohio County, IN; Boone County, KY; Bracken County, KY; Campbell County, KY; Gallatin County, KY; Kenton County, KY; Pendleton County, KY; Butler County, OH; Clermont County, OH; Hamilton County, OH; Warren County, OH. ZIP schedules may cover portions of this area.
Compare rents by ZIP code
Monthly HUD gross-rent benchmarks, including tenant-paid utilities. Choose 2–4 ZIPs to compare.
185 ZIP codes across published schedules
ZIP rent table
FY2026 monthly gross rents by ZIP.
ZIP
Studio
1 bedroom
2 bedrooms
3 bedrooms
4 bedrooms
$960
$1,050
$1,350
$1,780
$1,970
$690
$760
$980
$1,290
$1,440
$690
$830
$980
$1,320
$1,440
$720
$790
$1,020
$1,340
$1,490
$1,200
$1,310
$1,690
$2,230
$2,470
$750
$820
$1,060
$1,400
$1,550
$1,020
$1,120
$1,440
$1,900
$2,100
$980
$1,080
$1,390
$1,830
$2,030
$910
$1,000
$1,290
$1,700
$1,880
$850
$930
$1,200
$1,580
$1,750
$860
$950
$1,220
$1,610
$1,780
$800
$880
$1,130
$1,490
$1,650
$880
$960
$1,240
$1,640
$1,810
$950
$1,040
$1,340
$1,770
$1,960
$1,090
$1,200
$1,540
$2,030
$2,250
$1,090
$1,200
$1,540
$2,030
$2,250
$860
$940
$1,200
$1,470
$1,750
$800
$870
$1,120
$1,450
$1,630
$670
$810
$980
$1,290
$1,440
$820
$900
$1,160
$1,390
$1,680
$810
$890
$1,140
$1,500
$1,660
$1,100
$1,210
$1,560
$2,060
$2,280
$780
$850
$1,100
$1,450
$1,610
$680
$770
$980
$1,290
$1,440
$800
$870
$1,130
$1,410
$1,560
$960
$1,050
$1,360
$1,780
$1,960
$1,230
$1,340
$1,730
$2,280
$2,530
$1,100
$1,200
$1,550
$2,050
$2,260
$910
$1,000
$1,290
$1,700
$1,880
$690
$760
$980
$1,290
$1,440
$710
$780
$1,000
$1,320
$1,460
$840
$920
$1,200
$1,560
$1,750
$690
$750
$980
$1,290
$1,440
$970
$1,060
$1,370
$1,810
$2,000
$940
$1,030
$1,330
$1,750
$1,940
$960
$1,050
$1,350
$1,780
$1,970
$910
$1,000
$1,290
$1,700
$1,880
$970
$1,060
$1,370
$1,810
$2,000
$990
$1,090
$1,400
$1,850
$2,040
$1,210
$1,320
$1,700
$2,240
$2,480
$810
$880
$1,140
$1,440
$1,590
$690
$760
$980
$1,290
$1,440
$760
$820
$1,070
$1,410
$1,530
$1,440
$1,580
$2,030
$2,680
$2,960
$900
$990
$1,270
$1,680
$1,850
$1,030
$1,130
$1,460
$1,930
$2,130
$720
$790
$1,020
$1,350
$1,490
$770
$850
$1,090
$1,310
$1,580
$940
$1,030
$1,330
$1,750
$1,940
$740
$810
$1,040
$1,370
$1,520
$930
$1,030
$1,320
$1,740
$1,930
$740
$770
$1,000
$1,330
$1,460
$910
$1,000
$1,290
$1,700
$1,880
$910
$1,000
$1,290
$1,700
$1,880
$990
$1,090
$1,400
$1,850
$2,040
$890
$980
$1,260
$1,660
$1,840
$1,040
$1,140
$1,470
$1,940
$2,150
$990
$1,090
$1,400
$1,850
$2,040
$990
$1,090
$1,400
$1,850
$2,040
$990
$1,090
$1,400
$1,850
$2,040
$850
$930
$1,200
$1,580
$1,750
$930
$1,030
$1,320
$1,740
$1,930
$1,350
$1,480
$1,910
$2,520
$2,780
$960
$1,060
$1,360
$1,790
$1,990
$1,400
$1,540
$1,980
$2,610
$2,890
$1,440
$1,580
$2,030
$2,680
$2,960
$930
$1,030
$1,320
$1,740
$1,930
$900
$990
$1,270
$1,670
$1,850
$870
$960
$1,230
$1,620
$1,800
$1,270
$1,400
$1,800
$2,370
$2,630
$850
$930
$1,200
$1,580
$1,750
$960
$1,050
$1,350
$1,780
$1,970
$900
$990
$1,280
$1,690
$1,850
$1,030
$1,130
$1,440
$1,900
$2,140
$910
$1,000
$1,290
$1,700
$1,880
$930
$1,030
$1,320
$1,740
$1,930
$990
$1,090
$1,400
$1,850
$2,040
$830
$930
$1,210
$1,610
$1,770
$990
$1,090
$1,400
$1,850
$2,040
$850
$900
$1,170
$1,550
$1,710
$1,250
$1,380
$1,770
$2,340
$2,590
$1,400
$1,530
$1,970
$2,590
$2,870
$1,210
$1,330
$1,710
$2,260
$2,500
$1,160
$1,270
$1,630
$2,150
$2,380
$1,330
$1,460
$1,880
$2,480
$2,750
$1,040
$1,050
$1,380
$1,840
$2,020
$990
$1,090
$1,400
$1,850
$2,040
$840
$920
$1,190
$1,570
$1,740
$940
$1,030
$1,330
$1,750
$1,940
$730
$800
$1,020
$1,350
$1,510
$790
$850
$1,060
$1,390
$1,690
$1,260
$1,390
$1,780
$2,350
$2,600
$700
$760
$980
$1,290
$1,460
$900
$970
$1,210
$1,590
$1,920
$1,070
$1,080
$1,360
$1,830
$2,260
$700
$760
$980
$1,290
$1,460
$770
$770
$980
$1,310
$1,630
$1,060
$1,160
$1,490
$1,970
$2,180
$830
$850
$1,070
$1,440
$1,750
$1,210
$1,330
$1,710
$2,260
$2,500
Not available
Not available
Not available
Not available
Not available
$1,300
$1,430
$1,840
$2,430
$2,680
$930
$1,020
$1,310
$1,730
$1,910
$990
$1,090
$1,400
$1,850
$2,040
$1,190
$1,310
$1,680
$2,220
$2,450
$1,030
$1,130
$1,450
$1,920
$2,130
$760
$840
$1,080
$1,420
$1,580
$840
$920
$1,190
$1,570
$1,740
$690
$760
$980
$1,290
$1,440
$1,090
$1,200
$1,540
$2,030
$2,250
$1,440
$1,580
$2,030
$2,680
$2,960
$840
$890
$1,130
$1,510
$1,750
$930
$1,020
$1,310
$1,730
$1,910
$1,440
$1,580
$2,030
$2,680
$2,960
$790
$870
$1,120
$1,480
$1,640
$720
$790
$1,020
$1,350
$1,490
$810
$890
$1,150
$1,520
$1,680
$860
$950
$1,220
$1,610
$1,780
$860
$950
$1,220
$1,610
$1,780
$1,180
$1,300
$1,670
$2,200
$2,440
$1,250
$1,380
$1,770
$2,340
$2,590
$810
$890
$1,140
$1,500
$1,660
$960
$1,050
$1,350
$1,780
$1,970
$860
$940
$1,210
$1,600
$1,770
$760
$840
$1,080
$1,420
$1,580
$890
$980
$1,260
$1,660
$1,840
$850
$930
$1,200
$1,580
$1,750
$830
$910
$1,170
$1,540
$1,710
$950
$1,040
$1,340
$1,770
$1,960
$1,120
$1,230
$1,580
$2,080
$2,310
$980
$1,080
$1,390
$1,830
$2,030
$930
$1,020
$1,310
$1,730
$1,910
$840
$920
$1,180
$1,560
$1,720
$800
$880
$1,130
$1,490
$1,650
$730
$800
$1,030
$1,360
$1,500
$1,080
$1,180
$1,520
$2,010
$2,220
$1,090
$1,200
$1,540
$2,030
$2,250
$790
$870
$1,120
$1,480
$1,640
$860
$940
$1,210
$1,600
$1,770
$1,030
$1,130
$1,460
$1,930
$2,130
$690
$760
$980
$1,290
$1,440
$870
$960
$1,230
$1,620
$1,800
$930
$1,020
$1,310
$1,730
$1,910
$930
$1,020
$1,310
$1,730
$1,910
$960
$1,060
$1,360
$1,790
$1,990
$820
$900
$1,160
$1,530
$1,690
$860
$950
$1,220
$1,610
$1,780
$870
$960
$1,230
$1,620
$1,800
$1,080
$1,190
$1,530
$2,020
$2,230
$1,060
$1,160
$1,490
$1,970
$2,180
$1,440
$1,580
$2,030
$2,680
$2,960
$1,440
$1,580
$2,030
$2,680
$2,960
$970
$1,060
$1,370
$1,810
$2,000
$1,010
$1,100
$1,420
$1,870
$2,070
$1,130
$1,240
$1,600
$2,110
$2,340
$930
$1,030
$1,320
$1,740
$1,930
$970
$1,060
$1,370
$1,810
$2,000
$1,300
$1,420
$1,830
$2,410
$2,670
$930
$1,020
$1,310
$1,730
$1,910
$1,150
$1,270
$1,630
$2,150
$2,380
$890
$980
$1,260
$1,660
$1,840
$930
$1,020
$1,310
$1,730
$1,910
$930
$1,020
$1,310
$1,730
$1,910
$1,110
$1,220
$1,570
$2,070
$2,290
$930
$1,020
$1,310
$1,730
$1,910
$930
$1,020
$1,310
$1,730
$1,910
$930
$1,020
$1,310
$1,730
$1,910
$970
$1,070
$1,370
$1,810
$2,010
$860
$930
$1,180
$1,530
$1,680
$1,120
$1,220
$1,540
$2,000
$2,200
$1,170
$1,270
$1,610
$2,090
$2,300
$910
$1,000
$1,290
$1,700
$1,880
$840
$920
$1,190
$1,570
$1,740
$710
$770
$1,010
$1,340
$1,440
$730
$800
$1,030
$1,360
$1,440
$700
$800
$1,020
$1,310
$1,460
$830
$910
$1,180
$1,560
$1,690
$790
$870
$1,120
$1,480
$1,590
$810
$890
$1,140
$1,500
$1,660
$790
$870
$1,140
$1,500
$1,520
$840
$920
$1,190
$1,560
$1,720
$700
$750
$980
$1,300
$1,440
$710
$780
$1,010
$1,330
$1,450
$740
$820
$1,060
$1,400
$1,470
$890
$970
$1,250
$1,650
$1,780
Choose up to four ZIPs.
Local rental households
2020–2024 ACS 5-year. Figures cover the selected county, which may be only part of the current HUD rental area.
Dearborn County, Indiana
Rental households
Rental households
2,995
Share of occupied homes rented
14.8%
Rent burden
Spend 30%+ of income on rent
37.2%
Spend 50%+ of income on rent
19.1%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
28.5%
Buildings with 2–4 units
22.2%
Buildings with 5+ units
45.5%
Other rental homes
3.8%
Estimates & margins of error
Dearborn County, Indiana · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
2,995
±313
Share of occupied homes rented
14.8%
±1.5 percentage points
Spend 30%+ of income on rent
37.2%
±8.1 percentage points
Spend 50%+ of income on rent
19.1%
±7.4 percentage points
Single-unit homes
28.5%
±5.8 percentage points
Buildings with 2–4 units
22.2%
±7.5 percentage points
Buildings with 5+ units
45.5%
±7.5 percentage points
Other rental homes
3.8%
±2.3 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Ohio County, Indiana
Rental households
Rental households
489
Share of occupied homes rented
18.7%
Rent burden
Spend 30%+ of income on rent
66.2%
Spend 50%+ of income on rent
21.1%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
52.8%
Buildings with 2–4 units
22.5%
Buildings with 5+ units
18.8%
Other rental homes
5.9%
Estimates & margins of error
Ohio County, Indiana · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
489
±121
Share of occupied homes rented
18.7%
±4.6 percentage points
Spend 30%+ of income on rent
66.2%
±31.6 percentage points
Spend 50%+ of income on rent
21.1%
±8.7 percentage points
Single-unit homes
52.8%
±17.7 percentage points
Buildings with 2–4 units
22.5%
±10.0 percentage points
Buildings with 5+ units
18.8%
±7.3 percentage points
Other rental homes
5.9%
±6.6 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Boone County, Kentucky
Rental households
Rental households
12,095
Share of occupied homes rented
23.7%
Rent burden
Spend 30%+ of income on rent
40.3%
Spend 50%+ of income on rent
20.1%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
30.1%
Buildings with 2–4 units
10.6%
Buildings with 5+ units
57.6%
Other rental homes
1.6%
Estimates & margins of error
Boone County, Kentucky · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
12,095
±755
Share of occupied homes rented
23.7%
±1.5 percentage points
Spend 30%+ of income on rent
40.3%
±4.2 percentage points
Spend 50%+ of income on rent
20.1%
±3.1 percentage points
Single-unit homes
30.1%
±4.0 percentage points
Buildings with 2–4 units
10.6%
±2.8 percentage points
Buildings with 5+ units
57.6%
±5.2 percentage points
Other rental homes
1.6%
±0.9 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Bracken County, Kentucky
Rental households
Rental households
722
Share of occupied homes rented
21.5%
Rent burden
Spend 30%+ of income on rent
41.0%
Spend 50%+ of income on rent
26.0%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
44.5%
Buildings with 2–4 units
10.0%
Buildings with 5+ units
20.5%
Other rental homes
25.1%
Estimates & margins of error
Bracken County, Kentucky · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
722
±147
Share of occupied homes rented
21.5%
±4.3 percentage points
Spend 30%+ of income on rent
41.0%
±7.5 percentage points
Spend 50%+ of income on rent
26.0%
±7.9 percentage points
Single-unit homes
44.5%
±8.9 percentage points
Buildings with 2–4 units
10.0%
±7.5 percentage points
Buildings with 5+ units
20.5%
±6.6 percentage points
Other rental homes
25.1%
±12.4 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Campbell County, Kentucky
Rental households
Rental households
11,346
Share of occupied homes rented
28.9%
Rent burden
Spend 30%+ of income on rent
49.1%
Spend 50%+ of income on rent
25.9%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
23.7%
Buildings with 2–4 units
19.8%
Buildings with 5+ units
54.8%
Other rental homes
1.7%
Estimates & margins of error
Campbell County, Kentucky · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
11,346
±617
Share of occupied homes rented
28.9%
±1.5 percentage points
Spend 30%+ of income on rent
49.1%
±5.0 percentage points
Spend 50%+ of income on rent
25.9%
±3.7 percentage points
Single-unit homes
23.7%
±3.2 percentage points
Buildings with 2–4 units
19.8%
±2.9 percentage points
Buildings with 5+ units
54.8%
±4.5 percentage points
Other rental homes
1.7%
±1.0 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Gallatin County, Kentucky
Rental households
Rental households
814
Share of occupied homes rented
24.9%
Rent burden
Spend 30%+ of income on rent
37.3%
Spend 50%+ of income on rent
12.0%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
27.4%
Buildings with 2–4 units
5.9%
Buildings with 5+ units
45.5%
Other rental homes
21.3%
Estimates & margins of error
Gallatin County, Kentucky · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
814
±161
Share of occupied homes rented
24.9%
±4.8 percentage points
Spend 30%+ of income on rent
37.3%
±9.8 percentage points
Spend 50%+ of income on rent
12.0%
±6.7 percentage points
Single-unit homes
27.4%
±9.1 percentage points
Buildings with 2–4 units
5.9%
±4.0 percentage points
Buildings with 5+ units
45.5%
±9.5 percentage points
Other rental homes
21.3%
±10.5 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Kenton County, Kentucky
Rental households
Rental households
19,709
Share of occupied homes rented
29.3%
Rent burden
Spend 30%+ of income on rent
43.8%
Spend 50%+ of income on rent
20.7%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
26.9%
Buildings with 2–4 units
22.8%
Buildings with 5+ units
48.5%
Other rental homes
1.8%
Estimates & margins of error
Kenton County, Kentucky · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
19,709
±875
Share of occupied homes rented
29.3%
±1.3 percentage points
Spend 30%+ of income on rent
43.8%
±3.3 percentage points
Spend 50%+ of income on rent
20.7%
±2.5 percentage points
Single-unit homes
26.9%
±3.0 percentage points
Buildings with 2–4 units
22.8%
±2.5 percentage points
Buildings with 5+ units
48.5%
±3.1 percentage points
Other rental homes
1.8%
±0.8 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Pendleton County, Kentucky
Rental households
Rental households
1,379
Share of occupied homes rented
25.3%
Rent burden
Spend 30%+ of income on rent
37.5%
Spend 50%+ of income on rent
25.7%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
52.9%
Buildings with 2–4 units
10.2%
Buildings with 5+ units
10.4%
Other rental homes
26.5%
Estimates & margins of error
Pendleton County, Kentucky · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
1,379
±233
Share of occupied homes rented
25.3%
±4.1 percentage points
Spend 30%+ of income on rent
37.5%
±13.5 percentage points
Spend 50%+ of income on rent
25.7%
±12.4 percentage points
Single-unit homes
52.9%
±11.5 percentage points
Buildings with 2–4 units
10.2%
±4.8 percentage points
Buildings with 5+ units
10.4%
±4.4 percentage points
Other rental homes
26.5%
±9.1 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Butler County, Ohio
Rental households
Rental households
44,147
Share of occupied homes rented
30.1%
Rent burden
Spend 30%+ of income on rent
48.1%
Spend 50%+ of income on rent
25.8%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
40.2%
Buildings with 2–4 units
18.8%
Buildings with 5+ units
38.9%
Other rental homes
2.1%
Estimates & margins of error
Butler County, Ohio · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
44,147
±1,515
Share of occupied homes rented
30.1%
±1.0 percentage points
Spend 30%+ of income on rent
48.1%
±2.2 percentage points
Spend 50%+ of income on rent
25.8%
±1.8 percentage points
Single-unit homes
40.2%
±2.2 percentage points
Buildings with 2–4 units
18.8%
±1.5 percentage points
Buildings with 5+ units
38.9%
±2.3 percentage points
Other rental homes
2.1%
±0.6 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Clermont County, Ohio
Rental households
Rental households
22,388
Share of occupied homes rented
26.4%
Rent burden
Spend 30%+ of income on rent
40.1%
Spend 50%+ of income on rent
19.6%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
26.1%
Buildings with 2–4 units
7.1%
Buildings with 5+ units
60.8%
Other rental homes
6.0%
Estimates & margins of error
Clermont County, Ohio · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
22,388
±1,126
Share of occupied homes rented
26.4%
±1.3 percentage points
Spend 30%+ of income on rent
40.1%
±3.9 percentage points
Spend 50%+ of income on rent
19.6%
±3.3 percentage points
Single-unit homes
26.1%
±3.0 percentage points
Buildings with 2–4 units
7.1%
±1.4 percentage points
Buildings with 5+ units
60.8%
±3.1 percentage points
Other rental homes
6.0%
±1.3 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Hamilton County, Ohio
Rental households
Rental households
144,332
Share of occupied homes rented
40.7%
Rent burden
Spend 30%+ of income on rent
48.7%
Spend 50%+ of income on rent
26.1%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
24.3%
Buildings with 2–4 units
24.3%
Buildings with 5+ units
50.7%
Other rental homes
0.7%
Estimates & margins of error
Hamilton County, Ohio · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
144,332
±2,893
Share of occupied homes rented
40.7%
±0.8 percentage points
Spend 30%+ of income on rent
48.7%
±1.3 percentage points
Spend 50%+ of income on rent
26.1%
±0.9 percentage points
Single-unit homes
24.3%
±1.2 percentage points
Buildings with 2–4 units
24.3%
±1.2 percentage points
Buildings with 5+ units
50.7%
±1.5 percentage points
Other rental homes
0.7%
±0.1 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Warren County, Ohio
Rental households
Rental households
18,968
Share of occupied homes rented
20.6%
Rent burden
Spend 30%+ of income on rent
41.3%
Spend 50%+ of income on rent
21.9%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
35.3%
Buildings with 2–4 units
17.7%
Buildings with 5+ units
45.6%
Other rental homes
1.4%
Estimates & margins of error
Warren County, Ohio · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
18,968
±887
Share of occupied homes rented
20.6%
±0.9 percentage points
Spend 30%+ of income on rent
41.3%
±3.5 percentage points
Spend 50%+ of income on rent
21.9%
±2.5 percentage points
Single-unit homes
35.3%
±3.0 percentage points
Buildings with 2–4 units
17.7%
±2.5 percentage points
Buildings with 5+ units
45.6%
±3.9 percentage points
Other rental homes
1.4%
±0.8 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Census sources & definitions
2020–2024 ACS 5-year combines five years of survey responses. These describe the survey period, not today’s market. Rental households are renter-occupied homes. Housing types refer to the building containing each rental; “other” includes mobile homes, boats, RVs and similar housing.
Source: U.S. Census Bureau, tables B25003, B25070 and B25032. Statistical guidance. Data checked Sep 22, 2026. Rental Wire is not affiliated with or endorsed by the Census Bureau.
Start with the HUD benchmark or enter your expected lease rent. Price and cost defaults are examples, not local estimates.
Monthly cash flow before income tax
$26
Based on example price and costs. Edit them for your property.
Lease rent used
$1,635
Upfront cash
$53,500
Sources, dates & coverage
Cincinnati, OH-KY-IN HUD Metro FMR Area. HUD area ID: METRO17140M17140. Coverage: Dearborn County, IN; Ohio County, IN; Boone County, KY; Bracken County, KY; Campbell County, KY; Gallatin County, KY; Kenton County, KY; Pendleton County, KY; Butler County, OH; Clermont County, OH; Hamilton County, OH; Warren County, OH.
HUD gross-rent benchmarks include tenant-paid basic utilities, excluding phone, cable and internet. They are not asking-rent quotes, approved Section 8 rents or housing-authority payment standards.
HUD data checked Sep 22, 2026. Changes can reflect methodology and geographic coverage as well as rents. Missing data and figures that cannot be compared are marked unavailable. Future schedules are labelled upcoming.
Source: U.S. Department of Housing and Urban Development. HUD public-domain reuse policy, section 1.D. Rental Wire is not affiliated with or endorsed by HUD. Retain the source, geography and fiscal year when sharing data.
Calculation assumptions
Cash flow is rent less vacancy, operating costs, replacement reserves and fixed-rate mortgage payments, including principal. Tax deductions, sale proceeds and appreciation are outside this first-year calculation. The target price uses the same rent, expense amounts, mortgage rate, down-payment percentage and closing-cost percentage. Property taxes and lender terms may change with the actual purchase price.
When using a HUD benchmark, we subtract tenant-paid utilities to estimate lease rent. Custom rent is used as entered. Add utilities you pay to operating costs. This does not determine a voucher subsidy or a housing authority's approved rent.