32003
ZIPSAFMR
Clay County, FL
BRFMR
Eff. Rent
0 BR$1,890$1,160
1 BR$1,920$1,180
2 BR$2,310$1,700
3 BR$2,850$1,960
4 BR$3,570$2,460
5 BR$4,106
6 BR$4,721
7 BR$5,430
8 BR$6,244

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio
1.63ratio
FMR$1,890
Market$1,160
vs market+$730

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.63
1 BR
1 BR
1.63ratio
FMR$1,920
Market$1,180
vs market+$740

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.63
2 BR
2 BR
1.36ratio
FMR$2,310
Market$1,700
vs market+$610

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.36
3 BR
3 BR
1.45ratio
FMR$2,850
Market$1,960
vs market+$890

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.45
4 BR
4 BR
1.45ratio
FMR$3,570
Market$2,460
vs market+$1,110

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.45
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$281,349
Rent
$2,310
Down payment
$56,270
Loan
$225,079
Mortgage
$1,423
Expenses
$687
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 32003 (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.