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Duval County/Ponte Vedra Beach/32082

32082

ZIPSAFMR
Duval County, FL
Zillow

ZIP Investment Score

51Below average

095130300
BRFMR
Eff. Rent
0 BR$1,810$1,990
1 BR$1,840$2,020
2 BR$2,190$2,410
3 BR$2,680$2,880
4 BR$3,350$3,690
5 BR$3,852Not available
6 BR$4,430Not available
7 BR$5,095Not available
8 BR$5,859Not available

Purchase Price Calculator

Maximum purchase price
$296,209

Cost breakdown

+Likely effective rent$2,410
HUD FMR$2,190
Market rent$3,070
Est. payment standard (110%)Used$2,410
-Principal and interest-$1,498
Loan amount$236,967
Down payment$59,242
Rate6.50%
Term30 years
-Operating costs-$712
Property taxes-$296
Insurance-$175
Utilities$0
HOA$0
Management-$241
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,466(64.9% ROI)
Projected value
$318,984
Return breakdown
Property appreciation+$22,776
Loan principal paid down+$8,490
Rental cash flow+$7,200
5-year hold
+$66,064(111.5% ROI)
Projected value
$335,133
Return breakdown
Property appreciation+$38,924
Loan principal paid down+$15,140
Rental cash flow+$12,000
10-year hold
+$143,039(241.4% ROI)
Projected value
$379,172
Return breakdown
Property appreciation+$82,963
Loan principal paid down+$36,076
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.74
1 BR
0.66
2 BR
0.71
3 BR
0.90
4 BR
0.83
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 32082 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 32082 (Ponte Vedra Beach, FL) is $2,190 a month. That is down 0.9% from $2,210 in FY 2026. Ponte Vedra Beach is in the Jacksonville, FL HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 49 ZIP codes in Duval County, 32082 has the 5th-highest two-bedroom rent (county range $1,150–$2,540). The median county two-bedroom FMR in Florida is $1,474, so ZIP 32082 is 49% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 32082
BedroomsFY 2027Change90–110% range
Studio$1,8100.0%$1,629–$1,991
1BR$1,8400.0%$1,656–$2,024
2BR$2,190−0.9%$1,971–$2,409
3BR$2,680−1.5%$2,412–$2,948
4BR$3,350−1.8%$3,015–$3,685

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 32082
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,810$1,840$2,190$2,680$3,350
FY 2026$1,810$1,840$2,210$2,720$3,410
FY 2025$1,840$1,930$2,300$2,880$3,640
FY 2024$1,640$1,790$2,120$2,680$3,410
FY 2023$1,240$1,440$1,700$2,190$2,770

Two-bedroom rent in nearby Duval County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 32082
32081$2,130−2.7%
32082Current$2,190—
32202$1,390−36.5%
32203$1,660−24.2%
32204$1,410−35.6%
32205$1,520−30.6%
32206$1,150−47.5%
32207$1,570−28.3%
32208$1,420−35.2%
32209$1,240−43.4%
32210$1,420−35.2%
32211$1,360−37.9%

Questions about ZIP 32082 rents

How much will Section 8 pay for a two-bedroom in ZIP 32082?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,190, that basic range is $1,971 to $2,409 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 ZIP 32082 in?

ZIP 32082 is in the Jacksonville, FL HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 32082 for FY 2027?

The two-bedroom FMR fell 0.9%, from $2,210 in FY 2026 to $2,190 in FY 2027. Since FY 2023 it has risen 28.8%.

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

County fair market rentPonte Vedra Beach, FL fair market rentFL statewide rentsWhat is SAFMR?Data sources