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Collier County/Naples/34102

34102

ZIPSAFMR
Collier County, FL
Zillow

ZIP Investment Score

8Below average

095130300
BRFMR
Eff. Rent
0 BR$1,290$1,420
1 BR$1,700$1,870
2 BR$1,850$2,040
3 BR$2,350$2,590
4 BR$2,560$2,820
5 BR$2,944Not available
6 BR$3,386Not available
7 BR$3,893Not available
8 BR$4,477Not available

Purchase Price Calculator

Maximum purchase price
$241,227

Cost breakdown

+Likely effective rent$2,040
HUD FMR$1,850
Market rent$8,390
Est. payment standard (110%)Used$2,040
-Principal and interest-$1,220
Loan amount$192,981
Down payment$48,245
Rate6.50%
Term30 years
-Operating costs-$620
Property taxes-$241
Insurance-$175
Utilities$0
HOA$0
Management-$204
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,662(67.7% ROI)
Projected value
$259,775
Return breakdown
Property appreciation+$18,548
Loan principal paid down+$6,914
Rental cash flow+$7,200
5-year hold
+$56,029(116.1% ROI)
Projected value
$272,926
Return breakdown
Property appreciation+$31,699
Loan principal paid down+$12,330
Rental cash flow+$12,000
10-year hold
+$120,943(250.7% ROI)
Projected value
$308,791
Return breakdown
Property appreciation+$67,564
Loan principal paid down+$29,379
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.25
1 BR
0.39
2 BR
0.22
3 BR
0.21
4 BR
0.18
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 34102 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34102 (Naples, FL) is $1,850 a month. That is up 2.2% from $1,810 in FY 2026. Naples is in the Naples-Marco Island, FL MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,036. Among 27 ZIP codes in Collier County, 34102 has the 25th-highest two-bedroom rent (county range $1,790–$2,490). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34102 is 26% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34102
BedroomsFY 2027Change90–110% range
Studio$1,290+1.6%$1,161–$1,419
1BR$1,700+3.7%$1,530–$1,870
2BR$1,850+2.2%$1,665–$2,035
3BR$2,3500.0%$2,115–$2,585
4BR$2,5600.0%$2,304–$2,816

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34102
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,290$1,700$1,850$2,350$2,560
FY 2026$1,270$1,640$1,810$2,350$2,560
FY 2025$1,270$1,480$1,730$2,280$2,480
FY 2024$1,300$1,460$1,740$2,320$2,440
FY 2023$1,290$1,470$1,800$2,400$2,480

Two-bedroom rent in nearby Collier County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34102
34101$2,040+10.3%
34102Current$1,850—
34103$2,340+26.5%
34104$2,010+8.6%
34105$2,260+22.2%
34106$2,040+10.3%
34107$2,040+10.3%
34108$2,470+33.5%
34109$2,180+17.8%
34110$2,220+20.0%
34112$1,840−0.5%
34113$2,170+17.3%

Questions about ZIP 34102 rents

How much will Section 8 pay for a two-bedroom in ZIP 34102?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,036, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,832 to $2,240 a month; under the ZIP-level Small Area FMR of $1,850 it would be $1,665 to $2,035. 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 34102 in?

ZIP 34102 is in the Naples-Marco Island, FL MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,036.

How much did fair market rent change in ZIP 34102 for FY 2027?

The two-bedroom FMR rose 2.2%, from $1,810 in FY 2026 to $1,850 in FY 2027. Since FY 2023 it has risen 2.8%.

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