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Oakland, FL

CitySAFMR
Orange County
Found 1 ZIP

City Median Investment Score

87Below average

095130300
BRFMR
Eff. Rent
0 BR$2,030$1,340
1 BR$2,110$1,520
2 BR$2,400$1,920
3 BR$3,000$2,550
4 BR$3,500$2,900
5 BR$4,025Not available
6 BR$4,629Not available
7 BR$5,323Not available
8 BR$6,122Not available

Purchase Price Calculator

Maximum purchase price
$223,395

Cost breakdown

+Likely effective rent$1,920
HUD FMR$2,400
Market rentUsed$1,920
Est. payment standard (90%)$2,160
-Principal and interest-$1,130
Loan amount$178,716
Down payment$44,679
Rate6.50%
Term30 years
-Operating costs-$590
Property taxes-$223
Insurance-$175
Utilities$0
HOA$0
Management-$192
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,780(68.9% ROI)
Projected value
$240,572
Return breakdown
Property appreciation+$17,177
Loan principal paid down+$6,403
Rental cash flow+$7,200
5-year hold
+$52,774(118.1% ROI)
Projected value
$252,751
Return breakdown
Property appreciation+$29,356
Loan principal paid down+$11,418
Rental cash flow+$12,000
10-year hold
+$113,777(254.7% ROI)
Projected value
$285,964
Return breakdown
Property appreciation+$62,569
Loan principal paid down+$27,207
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.51
1 BR
1.39
2 BR
1.25
3 BR
1.18
4 BR
1.21
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Oakland, FL fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Oakland, FL is $2,400 a month. That is up 2.1% from $2,350 in FY 2026. Oakland is in the Orlando-Kissimmee-Sanford, 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 Oakland is 63% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Oakland, FL
BedroomsFY 2027Change90–110% range
Studio$2,030+3.0%$1,827–$2,233
1BR$2,110+2.4%$1,899–$2,321
2BR$2,400+2.1%$2,160–$2,640
3BR$3,000+1.7%$2,700–$3,300
4BR$3,500+0.6%$3,150–$3,850

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Oakland, FL
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,030$2,110$2,400$3,000$3,500
FY 2026$1,970$2,060$2,350$2,950$3,480
FY 2025$1,890$1,990$2,260$2,870$3,420
FY 2024$1,880$1,980$2,240$2,850$3,440
FY 2023$1,420$1,510$1,710$2,180$2,650

Questions about Oakland, FL rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,400, that basic range is $2,160 to $2,640 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 Oakland, FL in?

Oakland, FL is in the Orlando-Kissimmee-Sanford, 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 Oakland, FL for FY 2027?

The two-bedroom FMR rose 2.1%, from $2,350 in FY 2026 to $2,400 in FY 2027. Since FY 2023 it has risen 40.4%.

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