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Lake County/Astor/32102

32102

ZIPSAFMR
Lake County, FL
Zillow

ZIP Investment Score

66Below average

095130300
BRFMR
Eff. Rent
0 BR$1,150$1,150
1 BR$1,210$1,210
2 BR$1,370$1,370
3 BR$1,730$1,730
4 BR$2,090$2,090
5 BR$2,404Not available
6 BR$2,764Not available
7 BR$3,179Not available
8 BR$3,655Not available

Purchase Price Calculator

Maximum purchase price
$141,665

Cost breakdown

+Likely effective rent$1,370
HUD FMRUsed$1,370
Market rentN/A
Est. payment standardN/A
-Principal and interest-$716
Loan amount$113,332
Down payment$28,333
Rate6.50%
Term30 years
-Operating costs-$454
Property taxes-$142
Insurance-$175
Utilities$0
HOA$0
Management-$137
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,153(78.2% ROI)
Projected value
$152,558
Return breakdown
Property appreciation+$10,893
Loan principal paid down+$4,060
Rental cash flow+$7,200
5-year hold
+$37,857(133.6% ROI)
Projected value
$160,281
Return breakdown
Property appreciation+$18,616
Loan principal paid down+$7,241
Rental cash flow+$12,000
10-year hold
+$80,932(285.6% ROI)
Projected value
$181,343
Return breakdown
Property appreciation+$39,678
Loan principal paid down+$17,254
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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ZIP 32102 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 32102 (Astor, FL) is $1,370 a month. That is down 9.9% from $1,520 in FY 2026. Astor 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. Among 39 ZIP codes in Lake County, 32102 is tied for the 32nd-highest two-bedroom rent (county range $1,370–$2,400). The median county two-bedroom FMR in Florida is $1,474, so ZIP 32102 is 7% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 32102
BedroomsFY 2027Change90–110% range
Studio$1,150−9.4%$1,035–$1,265
1BR$1,210−9.7%$1,089–$1,331
2BR$1,370−9.9%$1,233–$1,507
3BR$1,730−9.9%$1,557–$1,903
4BR$2,090−9.9%$1,881–$2,299

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 32102
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,150$1,210$1,370$1,730$2,090
FY 2026$1,270$1,340$1,520$1,920$2,320
FY 2025$1,410$1,480$1,680$2,130$2,570
FY 2024$1,360$1,450$1,650$2,110$2,510
FY 2023$1,230$1,320$1,510$1,930$2,310

Two-bedroom rent in nearby Lake County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 32102
32102Current$1,370—
32134$1,3700.0%
32158$1,720+25.5%
32159$1,560+13.9%
32162$1,750+27.7%
32163$2,040+48.9%
32195$1,3700.0%
32702$1,3700.0%
32720$1,480+8.0%
32726$1,3700.0%
32727$1,720+25.5%
32735$1,790+30.7%

Questions about ZIP 32102 rents

How much will Section 8 pay for a two-bedroom in ZIP 32102?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,370, that basic range is $1,233 to $1,507 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 32102 in?

ZIP 32102 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 ZIP 32102 for FY 2027?

The two-bedroom FMR fell 9.9%, from $1,520 in FY 2026 to $1,370 in FY 2027. Since FY 2023 it has fallen 9.3%.

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 rentAstor, FL fair market rentFL statewide rentsWhat is SAFMR?Data sources