Dayton Section 8 Rental Property: What the Numbers Say
Dayton earns a Prime grade for Section 8, the top tier on CloseHound, because voucher rent here routinely beats open-market rent. Across seven tracked ZIP codes in Montgomery County, the median 3-bedroom voucher pays $1,570/mo, supporting a purchase near $157,000 at a 1% rent-to-price target. That spread is what drives strong cash-on-cash before financing.
The cost side is reasonable for the Midwest: property tax sits at 1.6% and insurance at 0.7%, so neither line item quietly eats the spread the way coastal markets do. The real work is property-level, since rehab and block quality vary. Screen actual Dayton listings against live voucher rents free on CloseHound before you offer.
Dayton HUD Section 8 voucher rents by ZIP (FY2026)
Official HUD Small Area Fair Market Rents — the voucher ceiling a landlord can collect in each ZIP, by bedroom count.
| ZIP code | 2-bed | 3-bed | 4-bed |
|---|---|---|---|
| 45402 | $1,340/mo | $1,740/mo | $1,910/mo |
| 45404 | $1,210/mo | $1,570/mo | $1,730/mo |
| 45405 | $1,070/mo | $1,390/mo | $1,530/mo |
| 45406 | $1,160/mo | $1,500/mo | $1,660/mo |
| 45417 | $1,170/mo | $1,520/mo | $1,670/mo |
| 45420 | $1,270/mo | $1,650/mo | $1,810/mo |
| 45427 | $1,273/mo | $1,651/mo | $1,817/mo |
Source: HUD FY2026 SAFMR. CloseHound underwrites live listings against these exact ceilings.
More Section 8 markets in Ohio
Dayton Section 8 FAQ
What is the Section 8 voucher rent for a 3-bed in Dayton?+
Dayton's median 3-bedroom voucher payment standard is about $1,570/mo for FY2026, with tracked ZIPs ranging from $1,390 to $1,740.
Is Dayton a good Section 8 market?+
Yes. CloseHound grades Dayton Prime, meaning voucher rent routinely beats market rent and the median voucher supports a roughly $157,000 buy at a 1% rent-to-price ratio.
What are the property-tax and insurance costs in Dayton?+
Montgomery County runs about 1.6% effective property tax and roughly 0.7% insurance, both manageable line items that leave room in the voucher spread.
How do I find cash-flowing Section 8 deals in Dayton?+
Screen Dayton listings in the voucher-strong ZIPs through CloseHound against the live 3-bed voucher rent, the 1.6% tax, and 0.7% insurance to see true cash-on-cash.
Screen Dayton deals free
See which Dayton listings actually cash-flow on the voucher — underwritten and ranked by Deal Score.
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