FMR is below market; voucher rent may lag private rents.
0.74
1 BR
1 BR
0.79ratio
FMR$1,120
Market$1,410
vs market-$290
FMR is below market; voucher rent may lag private rents.
0.79
2 BR
2 BR
0.91ratio
FMR$1,350
Market$1,490
vs market-$140
FMR is near market; voucher and private rents are aligned.
0.91
3 BR
3 BR
1.07ratio
FMR$1,870
Market$1,740
vs market+$130
FMR is near market; voucher and private rents are aligned.
1.07
4 BR
4 BR
1.09ratio
FMR$2,250
Market$2,070
vs market+$180
FMR is near market; voucher and private rents are aligned.
1.09
0.700.800.901.001.101.201.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
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ZIP 34445 fair market rent, FY 2027
For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34445 (Holder, FL) is $1,350 a month. That is down 2.2% from $1,380 in FY 2026. Holder is in the Homosassa Springs, 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 $1,194. Among 23 ZIP codes in Citrus County, 34445 has the 4th-highest two-bedroom rent (county range $1,110–$1,460). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34445 is 8% below it.
FY 2027 rent by bedroom
FY 2027 fair market rent by bedroom for 34445
Bedrooms
FY 2026
FY 2027
Change
90–110% range
Studio
$1,110
$1,110
0.0%
$999–$1,221
1BR
$1,110
$1,120
+0.9%
$1,008–$1,232
2BR
$1,380
$1,350
−2.2%
$1,215–$1,485
3BR
$1,920
$1,870
−2.6%
$1,683–$2,057
4BR
$2,270
$2,250
−0.9%
$2,025–$2,475
Fair market rent history, FY 2023–2027
Fair market rent by fiscal year for 34445
Fiscal year
Studio
1BR
2BR
3BR
4BR
FY 2027
$1,110
$1,120
$1,350
$1,870
$2,250
FY 2026
$1,110
$1,110
$1,380
$1,920
$2,270
FY 2025
$950
$950
$1,200
$1,680
$2,020
FY 2024
$850
$860
$1,120
$1,560
$1,900
FY 2023
$720
$740
$970
$1,340
$1,650
Two-bedroom rent in nearby Citrus County ZIP codes
How much will Section 8 pay for a two-bedroom in ZIP 34445?
Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,194, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,075 to $1,313 a month; under the ZIP-level Small Area FMR of $1,350 it would be $1,215 to $1,485. 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 34445 in?
ZIP 34445 is in the Homosassa Springs, FL MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,194.
How much did fair market rent change in ZIP 34445 for FY 2027?
The two-bedroom FMR fell 2.2%, from $1,380 in FY 2026 to $1,350 in FY 2027. Since FY 2023 it has risen 39.2%.
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