34105
ZIPSAFMR
Collier County, FL
BRFMR
Eff. Rent
0 BR$1,630$1,570
1 BR$2,100$1,730
2 BR$2,320$2,550
3 BR$3,020$3,240
4 BR$3,280$3,610
5 BR$3,772
6 BR$4,338
7 BR$4,988
8 BR$5,737

Purchase Price Calculator

Maximum purchase price
$317,012

Cost breakdown

+Likely effective rent$2,550
HUD FMR$2,320
Market rent$2,800
Est. payment standard (110%)Used$2,550
Estimated payment standard is $2,550 (110% of FMR).
-Principal and interest-$1,603
Loan amount$253,610
Down payment$63,402
Rate6.50%
Term30 years
-Operating costs-$747
Property taxes-$317
Insurance-$175
Utilities$0
HOA$0
Management-$255
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,662(64.1% ROI)
Projected value
$341,388
Current value$317,012
Return breakdown
Property appreciation+$24,375
Loan principal paid down+$9,086
Rental cash flow+$7,200
5-year hold
+$69,861(110.2% ROI)
Projected value
$358,671
Current value$317,012
Return breakdown
Property appreciation+$41,658
Loan principal paid down+$16,203
Rental cash flow+$12,000
10-year hold
+$151,400(238.8% ROI)
Projected value
$405,803
Current value$317,012
Return breakdown
Property appreciation+$88,790
Loan principal paid down+$38,609
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
1.04ratio
FMR$1,630
Market$1,570
vs market+$60

FMR is near market; voucher and private rents are aligned.

90% standard$1,467 / 0.93 ratio110% standard$1,793 / 1.14 ratio
1.04
1 BR
1 BR
1.21ratio
FMR$2,100
Market$1,730
vs market+$370

FMR is above market; underwrite to market rent.

90% standard$1,890 / 1.09 ratio110% standard$2,310 / 1.34 ratio
1.21
2 BR
2 BR
0.83ratio
FMR$2,320
Market$2,800
vs market-$480

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

90% standard$2,088 / 0.75 ratio110% standard$2,552 / 0.91 ratio
0.83
3 BR
3 BR
0.90ratio
FMR$3,020
Market$3,360
vs market-$340

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

90% standard$2,718 / 0.81 ratio110% standard$3,322 / 0.99 ratio
0.90
4 BR
4 BR
0.61ratio
FMR$3,280
Market$5,360
vs market-$2,080

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

90% standard$2,952 / 0.55 ratio110% standard$3,608 / 0.67 ratio
0.61
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 34105 (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.

34105 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 34105 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,320 and the 4 bedroom fair market rent is $3,280.

Use this page for searches like 34105 FMR, 34105 fair market rent, and 34105 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 34105
Bedroom sizeHUD FMR
Studio$1,630
1 bedroom$2,100
2 bedroom$2,320
3 bedroom$3,020
4 bedroom$3,280