34104
ZIPSAFMR
Collier County, FL
BRFMR
Eff. Rent
0 BR$1,390$1,530
1 BR$1,790$1,970
2 BR$1,980$2,180
3 BR$2,570$2,830
4 BR$2,800$3,080
5 BR$3,220
6 BR$3,703
7 BR$4,258
8 BR$4,897

Purchase Price Calculator

Maximum purchase price
$262,031

Cost breakdown

+Likely effective rent$2,180
HUD FMR$1,980
Market rent$3,100
Est. payment standard (110%)Used$2,180
Estimated payment standard is $2,180 (110% of FMR).
-Principal and interest-$1,325
Loan amount$209,624
Down payment$52,406
Rate6.50%
Term30 years
-Operating costs-$655
Property taxes-$262
Insurance-$175
Utilities$0
HOA$0
Management-$218
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,858(66.5% ROI)
Projected value
$282,178
Current value$262,031
Return breakdown
Property appreciation+$20,148
Loan principal paid down+$7,510
Rental cash flow+$7,200
5-year hold
+$59,826(114.2% ROI)
Projected value
$296,464
Current value$262,031
Return breakdown
Property appreciation+$34,433
Loan principal paid down+$13,393
Rental cash flow+$12,000
10-year hold
+$129,304(246.7% ROI)
Projected value
$335,421
Current value$262,031
Return breakdown
Property appreciation+$73,391
Loan principal paid down+$31,913
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.53ratio
FMR$1,390
Market$2,600
vs market-$1,210

FMR is below market; voucher rent may lag private rents.

0.53
1 BR
1 BR
0.69ratio
FMR$1,790
Market$2,610
vs market-$820

FMR is below market; voucher rent may lag private rents.

90% standard$1,611 / 0.62 ratio110% standard$1,969 / 0.75 ratio
0.69
2 BR
2 BR
0.64ratio
FMR$1,980
Market$3,100
vs market-$1,120

FMR is below market; voucher rent may lag private rents.

90% standard$1,782 / 0.57 ratio110% standard$2,178 / 0.70 ratio
0.64
3 BR
3 BR
0.73ratio
FMR$2,570
Market$3,500
vs market-$930

FMR is below market; voucher rent may lag private rents.

90% standard$2,313 / 0.66 ratio110% standard$2,827 / 0.81 ratio
0.73
4 BR
4 BR
0.64ratio
FMR$2,800
Market$4,350
vs market-$1,550

FMR is below market; voucher rent may lag private rents.

90% standard$2,520 / 0.58 ratio110% standard$3,080 / 0.71 ratio
0.64
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 34104 (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.

34104 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 34104 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,980 and the 4 bedroom fair market rent is $2,800.

Use this page for searches like 34104 FMR, 34104 fair market rent, and 34104 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 34104
Bedroom sizeHUD FMR
Studio$1,390
1 bedroom$1,790
2 bedroom$1,980
3 bedroom$2,570
4 bedroom$2,800