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Manatee County/Bradenton/34209

34209

ZIPSAFMR
Manatee County, FL
Zillow

ZIP Investment Score

75Below average

095130300
BRFMR
Eff. Rent
0 BR$1,890$1,890
1 BR$2,030$1,570
2 BR$2,370$2,570
3 BR$3,010$2,660
4 BR$3,580$3,700
5 BR$4,117Not available
6 BR$4,735Not available
7 BR$5,445Not available
8 BR$6,261Not available

Purchase Price Calculator

Maximum purchase price
$319,984

Cost breakdown

+Likely effective rent$2,570
HUD FMR$2,370
Market rent$2,670
Est. payment standard (108%)Used$2,570
-Principal and interest-$1,618
Loan amount$255,988
Down payment$63,997
Rate6.50%
Term30 years
-Operating costs-$752
Property taxes-$320
Insurance-$175
Utilities$0
HOA$0
Management-$257
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,975(64.0% ROI)
Projected value
$344,588
Return breakdown
Property appreciation+$24,604
Loan principal paid down+$9,171
Rental cash flow+$7,200
5-year hold
+$70,404(110.0% ROI)
Projected value
$362,033
Return breakdown
Property appreciation+$42,049
Loan principal paid down+$16,355
Rental cash flow+$12,000
10-year hold
+$152,594(238.4% ROI)
Projected value
$409,607
Return breakdown
Property appreciation+$89,623
Loan principal paid down+$38,971
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.00
1 BR
1.29
2 BR
0.89
3 BR
1.13
4 BR
0.95
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 34209 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34209 (Bradenton, FL) is $2,370 a month. That is up 12.9% from $2,100 in FY 2026. Bradenton is in the North Port-Bradenton-Sarasota, FL MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 31 ZIP codes in Manatee County, 34209 has the 9th-highest two-bedroom rent (county range $1,350–$3,280). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34209 is 61% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34209
BedroomsFY 2027Change90–110% range
Studio$1,890+24.3%$1,701–$2,079
1BR$2,030+12.2%$1,827–$2,233
2BR$2,370+12.9%$2,133–$2,607
3BR$3,010+10.7%$2,709–$3,311
4BR$3,580+10.2%$3,222–$3,938

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34209
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,890$2,030$2,370$3,010$3,580
FY 2026$1,520$1,810$2,100$2,720$3,250
FY 2025$1,330$1,660$1,940$2,550$3,050
FY 2024$1,270$1,560$1,880$2,500$2,980
FY 2023$1,100$1,310$1,640$2,170$2,590

Two-bedroom rent in nearby Manatee County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34209
34202$2,800+18.1%
34203$1,890−20.3%
34204$2,080−12.2%
34205$1,740−26.6%
34206$2,080−12.2%
34207$1,850−21.9%
34208$1,910−19.4%
34209Current$2,370—
34210$2,000−15.6%
34211$2,720+14.8%
34212$2,540+7.2%
34215$2,150−9.3%

Questions about ZIP 34209 rents

How much will Section 8 pay for a two-bedroom in ZIP 34209?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,370, that basic range is $2,133 to $2,607 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 34209 in?

ZIP 34209 is in the North Port-Bradenton-Sarasota, 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 34209 for FY 2027?

The two-bedroom FMR rose 12.9%, from $2,100 in FY 2026 to $2,370 in FY 2027. Since FY 2023 it has risen 44.5%.

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