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FL/Pinellas County/Clearwater Beach

Clearwater Beach, FL

CitySAFMR
Pinellas County
Found 1 ZIP
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City Median Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,920$2,110
1 BR$2,040$2,240
2 BR$2,380$2,620
3 BR$3,050$3,360
4 BR$3,700$4,070
5 BR$4,255Not available
6 BR$4,893Not available
7 BR$5,627Not available
8 BR$6,471Not available

Purchase Price Calculator

Maximum purchase price
$327,414

Cost breakdown

+Likely effective rent$2,620
HUD FMR$2,380
Market rent$3,960
Est. payment standard (110%)Used$2,620
-Principal and interest-$1,656
Loan amount$261,932
Down payment$65,483
Rate6.50%
Term30 years
-Operating costs-$764
Property taxes-$327
Insurance-$175
Utilities$0
HOA$0
Management-$262
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$41,759(63.8% ROI)
Projected value
$352,590
Return breakdown
Property appreciation+$25,175
Loan principal paid down+$9,384
Rental cash flow+$7,200
5-year hold
+$71,760(109.6% ROI)
Projected value
$370,439
Return breakdown
Property appreciation+$43,025
Loan principal paid down+$16,735
Rental cash flow+$12,000
10-year hold
+$155,580(237.6% ROI)
Projected value
$419,118
Return breakdown
Property appreciation+$91,704
Loan principal paid down+$39,876
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.70
1 BR
0.66
2 BR
0.60
3 BR
0.58
4 BR
0.53
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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Clearwater Beach, FL fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Clearwater Beach, FL is $2,380 a month. That is down 9.8% from $2,640 in FY 2026. Clearwater Beach is in the Tampa-St. Petersburg-Clearwater, FL MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. The median county two-bedroom FMR in Florida is $1,474, so Clearwater Beach is 61% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Clearwater Beach, FL
BedroomsFY 2027Change90–110% range
Studio$1,920−9.9%$1,728–$2,112
1BR$2,040−9.7%$1,836–$2,244
2BR$2,380−9.8%$2,142–$2,618
3BR$3,050−9.8%$2,745–$3,355
4BR$3,700−10.0%$3,330–$4,070

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Clearwater Beach, FL
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,920$2,040$2,380$3,050$3,700
FY 2026$2,130$2,260$2,640$3,380$4,110
FY 2025$2,170$2,340$2,740$3,510$4,270
FY 2024$2,160$2,330$2,760$3,530$4,310
FY 2023$1,940$2,070$2,490$3,190$3,910

Questions about Clearwater Beach, FL rents

How much will Section 8 pay for a two-bedroom in Clearwater Beach, FL?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,380, that basic range is $2,142 to $2,618 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Clearwater Beach, FL in?

Clearwater Beach, FL is in the Tampa-St. Petersburg-Clearwater, FL MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in Clearwater Beach, FL for FY 2027?

The two-bedroom FMR fell 9.8%, from $2,640 in FY 2026 to $2,380 in FY 2027. Since FY 2023 it has fallen 4.4%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set