32068
ZIPSAFMR
Clay County, FL
BRFMR
Eff. Rent
0 BR$1,360$1,350
1 BR$1,390$1,390
2 BR$1,670$1,610
3 BR$2,060$1,810
4 BR$2,580$2,140
5 BR$2,967
6 BR$3,412
7 BR$3,924
8 BR$4,512

Market Alignment

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

Studio
Studio
1.01ratio
FMR$1,360
Market$1,350
vs market+$10

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.01
1 BR
1 BR
0.97ratio
FMR$1,390
Market$1,430
vs market-$40

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.97
2 BR
2 BR
1.04ratio
FMR$1,670
Market$1,610
vs market+$60

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.04
3 BR
3 BR
1.14ratio
FMR$2,060
Market$1,810
vs market+$250

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

1.14
4 BR
4 BR
1.21ratio
FMR$2,580
Market$2,140
vs market+$440

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

1.21
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit 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
$186,245
Rent
$1,670
Down payment
$37,249
Loan
$148,996
Mortgage
$942
Expenses
$528
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 32068 (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.