32410
ZIPSAFMR
Bay County, FL
BRFMR
Eff. Rent
0 BR$1,760$1,760
1 BR$1,820$1,750
2 BR$2,070$2,030
3 BR$2,670$2,270
4 BR$3,310$2,720
5 BR$3,806
6 BR$4,377
7 BR$5,034
8 BR$5,789

Market Alignment

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

Studio
Studio
0.93ratio
FMR$1,760
Market$1,890
vs market-$130

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

0.93
1 BR
1 BR
1.04ratio
FMR$1,820
Market$1,750
vs market+$70

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

1.04
2 BR
2 BR
1.02ratio
FMR$2,070
Market$2,030
vs market+$40

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

1.02
3 BR
3 BR
1.18ratio
FMR$2,670
Market$2,270
vs market+$400

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

1.18
4 BR
4 BR
1.22ratio
FMR$3,310
Market$2,720
vs market+$590

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

1.22
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
$245,685
Rent
$2,070
Down payment
$49,137
Loan
$196,548
Mortgage
$1,242
Expenses
$628
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 32410 (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.