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Lake County/Eustis/32736

32736

ZIPSAFMR
Lake County, FL
Zillow

ZIP Investment Score

50Below average

095130300
BRFMR
Eff. Rent
0 BR$1,180$1,180
1 BR$1,220$1,220
2 BR$1,390$1,390
3 BR$1,740$1,740
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
$144,637

Cost breakdown

+Likely effective rent$1,390
HUD FMRUsed$1,390
Market rentN/A
Est. payment standardN/A
-Principal and interest-$731
Loan amount$115,710
Down payment$28,927
Rate6.50%
Term30 years
-Operating costs-$459
Property taxes-$145
Insurance-$175
Utilities$0
HOA$0
Management-$139
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,467(77.7% ROI)
Projected value
$155,758
Return breakdown
Property appreciation+$11,121
Loan principal paid down+$4,146
Rental cash flow+$7,200
5-year hold
+$38,399(132.7% ROI)
Projected value
$163,643
Return breakdown
Property appreciation+$19,006
Loan principal paid down+$7,393
Rental cash flow+$12,000
10-year hold
+$82,126(283.9% ROI)
Projected value
$185,148
Return breakdown
Property appreciation+$40,511
Loan principal paid down+$17,615
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
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Tax rate
--
Mortgage rate
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ZIP 32736 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 32736 (Eustis, FL) is $1,390 a month. That is down 9.7% from $1,540 in FY 2026. Eustis 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, 32736 is tied for the 30th-highest two-bedroom rent (county range $1,370–$2,400). The median county two-bedroom FMR in Florida is $1,474, so ZIP 32736 is 6% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 32736
BedroomsFY 2027Change90–110% range
Studio$1,180−8.5%$1,062–$1,298
1BR$1,220−9.6%$1,098–$1,342
2BR$1,390−9.7%$1,251–$1,529
3BR$1,740−9.8%$1,566–$1,914
4BR$2,090−9.9%$1,881–$2,299

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 32736
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,180$1,220$1,390$1,740$2,090
FY 2026$1,290$1,350$1,540$1,930$2,320
FY 2025$1,410$1,480$1,680$2,130$2,570
FY 2024$1,300$1,370$1,550$1,970$2,380
FY 2023$1,130$1,200$1,360$1,740$2,110

Two-bedroom rent in nearby Lake County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 32736
32702$1,370−1.4%
32720$1,480+6.5%
32726$1,370−1.4%
32727$1,720+23.7%
32735$1,790+28.8%
32736Current$1,390—
32756$1,720+23.7%
32757$1,790+28.8%
32767$1,370−1.4%
32776$1,850+33.1%
32778$1,570+12.9%
32784$1,370−1.4%

Questions about ZIP 32736 rents

How much will Section 8 pay for a two-bedroom in ZIP 32736?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,390, that basic range is $1,251 to $1,529 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 32736 in?

ZIP 32736 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 32736 for FY 2027?

The two-bedroom FMR fell 9.7%, from $1,540 in FY 2026 to $1,390 in FY 2027. Since FY 2023 it has risen 2.2%.

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