Home/FL/Bay County
Bay County, FL
CountySAFMR
Found 21 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$1,240 – $1,940▲$1,200 – $1,840
1 BR$1,240 – $2,020▲$1,240 – $1,780
2 BR$1,450 – $2,290▲$1,450 – $2,100
3 BR$1,930 – $2,950▲$1,930 – $2,600
4 BR$2,440 – $3,660▼$2,290 – $3,310
5 BR$3,013▼—
6 BR$3,465▼—
7 BR$3,985▼—
8 BR$4,582▼—

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Market Alignment

FMR / market rent by bedroom.

Studio
Studio- 1 ZIP
0.75ratio
FMR$1,360
Market$1,820
vs market-$460

FMR is below market; voucher rent may lag private rents.

Studio- 1 ZIP
0.87ratio
FMR$1,460
Market$1,680
vs market-$220

FMR is below market; voucher rent may lag private rents.

Studio- 2 ZIPs
0.91-0.93ratio range
Median FMR$1,575
Median Market$1,705
vs market-$130

FMR is near market; voucher and private rents are aligned.

2
Studio- 1 ZIP
0.95ratio
FMR$1,550
Market$1,630
vs market-$80

FMR is near market; voucher and private rents are aligned.

Studio- 1 ZIP
0.99ratio
FMR$1,420
Market$1,430
vs market-$10

FMR is near market; voucher and private rents are aligned.

Studio- 4 ZIPs
1.03-1.06ratio range
Median FMR$1,420
Median Market$1,340
vs market+$80

FMR is near market; voucher and private rents are aligned.

4
Studio- 2 ZIPs
1.07-1.08ratio range
Median FMR$1,500
Median Market$1,390
vs market+$110

FMR is near market; voucher and private rents are aligned.

2
Studio- 1 ZIP
1.13ratio
FMR$1,900
Market$1,680
vs market+$220

FMR is above market; underwrite to market rent.

Studio- 1 ZIP
1.44ratio
FMR$1,940
Market$1,350
vs market+$590

FMR is above market; underwrite to market rent.

0.75-1.44
1 BR
1 BR- 1 ZIP
0.84ratio
FMR$1,410
Market$1,670
vs market-$260

FMR is below market; voucher rent may lag private rents.

1 BR- 2 ZIPs
0.87-0.88ratio range
Median FMR$1,545
Median Market$1,765
vs market-$220

FMR is below market; voucher rent may lag private rents.

2
1 BR- 2 ZIPs
0.93-0.94ratio range
Median FMR$1,460
Median Market$1,570
vs market-$110

FMR is near market; voucher and private rents are aligned.

2
1 BR- 1 ZIP
0.99ratio
FMR$1,240
Market$1,250
vs market-$10

FMR is near market; voucher and private rents are aligned.

1 BR- 1 ZIP
1.04ratio
FMR$1,820
Market$1,750
vs market+$70

FMR is near market; voucher and private rents are aligned.

1 BR- 1 ZIP
1.11ratio
FMR$1,500
Market$1,350
vs market+$150

FMR is above market; underwrite to market rent.

1 BR- 3 ZIPs
1.17ratio range
Median FMR$1,480
Median Market$1,260
vs market+$220

FMR is above market; underwrite to market rent.

3
1 BR- 2 ZIPs
1.22-1.25ratio range
Median FMR$1,790
Median Market$1,455
vs market+$335

FMR is above market; underwrite to market rent.

2
1 BR- 1 ZIP
1.53ratio
FMR$2,020
Market$1,320
vs market+$700

FMR is above market; underwrite to market rent.

0.84-1.53
2 BR
2 BR- 1 ZIP
0.72ratio
FMR$1,840
Market$2,570
vs market-$730

FMR is below market; voucher rent may lag private rents.

2 BR- 1 ZIP
0.85ratio
FMR$1,910
Market$2,250
vs market-$340

FMR is below market; voucher rent may lag private rents.

2 BR- 2 ZIPs
0.88ratio range
Median FMR$1,640
Median Market$1,855
vs market-$215

FMR is below market; voucher rent may lag private rents.

2
2 BR- 2 ZIPs
0.92-0.93ratio range
Median FMR$1,545
Median Market$1,675
vs market-$130

FMR is near market; voucher and private rents are aligned.

2
2 BR- 1 ZIP
1.02ratio
FMR$2,070
Market$2,030
vs market+$40

FMR is near market; voucher and private rents are aligned.

2 BR- 1 ZIP
1.03ratio
FMR$1,700
Market$1,650
vs market+$50

FMR is near market; voucher and private rents are aligned.

2 BR- 3 ZIPs
1.08ratio range
Median FMR$1,680
Median Market$1,550
vs market+$130

FMR is near market; voucher and private rents are aligned.

3
2 BR- 1 ZIP
1.17ratio
FMR$1,830
Market$1,570
vs market+$260

FMR is above market; underwrite to market rent.

2 BR- 1 ZIP
1.20ratio
FMR$2,240
Market$1,860
vs market+$380

FMR is above market; underwrite to market rent.

2 BR- 1 ZIP
1.51ratio
FMR$2,290
Market$1,520
vs market+$770

FMR is above market; underwrite to market rent.

0.72-1.51
3 BR
3 BR- 2 ZIPs
0.86-0.87ratio range
Median FMR$2,240
Median Market$2,585
vs market-$345

FMR is below market; voucher rent may lag private rents.

2
3 BR- 1 ZIP
0.92ratio
FMR$2,170
Market$2,360
vs market-$190

FMR is near market; voucher and private rents are aligned.

3 BR- 2 ZIPs
0.95-0.98ratio range
Median FMR$2,115
Median Market$2,190
vs market-$75

FMR is near market; voucher and private rents are aligned.

2
3 BR- 1 ZIP
1.01ratio
FMR$2,060
Market$2,040
vs market+$20

FMR is near market; voucher and private rents are aligned.

3 BR- 1 ZIP
1.03ratio
FMR$2,190
Market$2,120
vs market+$70

FMR is near market; voucher and private rents are aligned.

3 BR- 3 ZIPs
1.10ratio range
Median FMR$2,170
Median Market$1,970
vs market+$200

FMR is above market; underwrite to market rent.

3
3 BR- 2 ZIPs
1.16-1.18ratio range
Median FMR$2,515
Median Market$2,155
vs market+$360

FMR is above market; underwrite to market rent.

2
3 BR- 1 ZIP
1.22ratio
FMR$2,890
Market$2,370
vs market+$520

FMR is above market; underwrite to market rent.

3 BR- 1 ZIP
1.49ratio
FMR$2,950
Market$1,980
vs market+$970

FMR is above market; underwrite to market rent.

0.86-1.49
4 BR
4 BR- 2 ZIPs
0.84ratio range
Median FMR$2,625
Median Market$3,125
vs market-$500

FMR is below market; voucher rent may lag private rents.

2
4 BR- 2 ZIPs
0.86-0.89ratio range
Median FMR$2,780
Median Market$3,170
vs market-$390

FMR is below market; voucher rent may lag private rents.

2
4 BR- 1 ZIP
1.03ratio
FMR$2,440
Market$2,380
vs market+$60

FMR is near market; voucher and private rents are aligned.

4 BR- 3 ZIPs
1.08-1.10ratio range
Median FMR$2,720
Median Market$2,480
vs market+$240

FMR is near market; voucher and private rents are aligned.

3
4 BR- 1 ZIP
1.11ratio
FMR$2,930
Market$2,640
vs market+$290

FMR is above market; underwrite to market rent.

4 BR- 3 ZIPs
1.17ratio range
Median FMR$2,690
Median Market$2,290
vs market+$400

FMR is above market; underwrite to market rent.

3
4 BR- 1 ZIP
1.22ratio
FMR$3,310
Market$2,720
vs market+$590

FMR is above market; underwrite to market rent.

4 BR- 1 ZIP
1.55ratio
FMR$3,660
Market$2,360
vs market+$1,300

FMR is above market; underwrite to market rent.

0.84-1.55
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for Bay County, FL (FL) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

What is FMR?What is SAFMR?Data sourcesIncomplete geos
Related ZIPs
32401324023240332404324053240632407324083240932410

Bay County, FL fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for Bay County, FL shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,680 and the 4 bedroom fair market rent is $2,620.

Use this page for searches like Bay County, FL FMR, Bay County, FL fair market rent, and Bay County, FL Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for Bay County, FL
Bedroom sizeHUD FMR
Studio$1,420
1 bedroom$1,470
2 bedroom$1,680
3 bedroom$2,170
4 bedroom$2,620
32401 FMR32402 FMR32403 FMR32404 FMR32405 FMR32406 FMR32407 FMR32408 FMR