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Collier County/Naples/34114

34114

ZIPSAFMR
Collier County, FL
Zillow

ZIP Investment Score

64Below average

095130300
BRFMR
Eff. Rent
0 BR$1,620$1,780
1 BR$2,130$2,340
2 BR$2,320$2,550
3 BR$2,940$3,230
4 BR$3,210$3,530
5 BR$3,691Not available
6 BR$4,245Not available
7 BR$4,882Not available
8 BR$5,614Not available

Purchase Price Calculator

Maximum purchase price
$317,012

Cost breakdown

+Likely effective rent$2,550
HUD FMR$2,320
Market rent$4,730
Est. payment standard (110%)Used$2,550
-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
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
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
Return breakdown
Property appreciation+$88,790
Loan principal paid down+$38,609
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.38
1 BR
0.51
2 BR
0.49
3 BR
0.56
4 BR
0.55
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 34114 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34114 (Naples, FL) is $2,320 a month. That is up 4.0% from $2,230 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, 34114 has the 4th-highest two-bedroom rent (county range $1,790–$2,490). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34114 is 57% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34114
BedroomsFY 2027Change90–110% range
Studio$1,620+3.2%$1,458–$1,782
1BR$2,130+5.4%$1,917–$2,343
2BR$2,320+4.0%$2,088–$2,552
3BR$2,940+1.4%$2,646–$3,234
4BR$3,210+1.9%$2,889–$3,531

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34114
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,620$2,130$2,320$2,940$3,210
FY 2026$1,570$2,020$2,230$2,900$3,150
FY 2025$1,440$1,690$1,970$2,600$2,820
FY 2024$1,350$1,520$1,810$2,410$2,540
FY 2023$1,260$1,440$1,760$2,350$2,420

Two-bedroom rent in nearby Collier County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34114
34106$2,040−12.1%
34107$2,040−12.1%
34108$2,470+6.5%
34109$2,180−6.0%
34110$2,220−4.3%
34112$1,840−20.7%
34113$2,170−6.5%
34114Current$2,320—
34116$1,940−16.4%
34117$2,000−13.8%
34119$2,250−3.0%
34120$2,490+7.3%

Questions about ZIP 34114 rents

How much will Section 8 pay for a two-bedroom in ZIP 34114?

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 $2,320 it would be $2,088 to $2,552. 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 34114 in?

ZIP 34114 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 34114 for FY 2027?

The two-bedroom FMR rose 4.0%, from $2,230 in FY 2026 to $2,320 in FY 2027. Since FY 2023 it has risen 31.8%.

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