What is the Fair Market Rent in White Oak, OH?

HUD’s fiscal year 2027 Small Area Fair Market Rent for a two-bedroom home in ZIP 45239, which covers White Oak, is $1,310 a month.

Across the whole Cincinnati, OH-KY-IN HUD Metro FMR Area the two-bedroom figure is $1,442.

The Census Bureau’s median gross rent for a two-bedroom home in White Oak is $1,146 (±$62), below the Small Area figure for ZIP 45239.

Figures last updated on November 12, 2026.

2 bedrooms, whole area: $1,442
2 bedrooms, ZIP 45239: $1,310

Fair Market Rents for White Oak, fiscal year 2027

HUD Fair Market Rent, dollars a month (gross rent, including utilities), beside the Census Bureau’s median gross rent for each ZIP code
	Studio	1 bedroom	2 bedrooms	3 bedrooms	4 bedrooms	Census median rent
Cincinnati, OH-KY-IN HUD Metro FMR Area (whole area)	$1,052	$1,128	$1,442	$1,897	$2,141	—
ZIP 45239 (36% of the ZIP’s land is in this place)	$960	$1,030	$1,310	$1,720	$1,940	$1,015

A Fair Market Rent is HUD’s estimate of the gross rent (shelter plus utilities) of a modest rental home in the area.

Whether a housing authority uses the ZIP code (Small Area) figures or the area-wide one depends on whether HUD has designated the area for Small Area FMRs or the authority has opted in; ask the local housing authority which applies.

White Oak is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

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Questions about White Oak

What is the Section 8 payment standard in White Oak?

Housing authorities set payment standards between 90% and 110% of HUD’s Fair Market Rent; for fiscal year 2027, the two-bedroom Fair Market Rent for the Cincinnati, OH-KY-IN HUD Metro FMR Area is $1,442, and the Small Area figure for 45239 is $1,310.

What is the Fair Market Rent for a two-bedroom in ZIP 45239?

HUD’s fiscal year 2027 Small Area Fair Market Rent for a two-bedroom home in ZIP 45239 is $1,310 a month; the Census Bureau’s median gross rent across that ZIP code, for homes of every size, is $1,015 (±$110).

What is the Fair Market Rent for a one-bedroom in White Oak?

HUD’s fiscal year 2027 Small Area Fair Market Rent for a one-bedroom home in ZIP 45239 is $1,030 a month, against $1,128 across the Cincinnati, OH-KY-IN HUD Metro FMR Area.

Sources

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.