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34660

ZIPSAFMR
Pinellas County, FL
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,610$1,570
1 BR$1,660$1,810
2 BR$1,930$2,100
3 BR$2,470$2,660
4 BR$3,000$3,130
5 BR$3,450Not available
6 BR$3,967Not available
7 BR$4,563Not available
8 BR$5,247Not available

Purchase Price Calculator

Maximum purchase price
$250,143

Cost breakdown

+Likely effective rent$2,100
HUD FMR$1,930
Market rent$2,190
Est. payment standard (109%)Used$2,100
-Principal and interest-$1,265
Loan amount$200,114
Down payment$50,029
Rate6.50%
Term30 years
-Operating costs-$635
Property taxes-$250
Insurance-$175
Utilities$0
HOA$0
Management-$210
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$33,603(67.2% ROI)
Projected value
$269,376
Return breakdown
Property appreciation+$19,234
Loan principal paid down+$7,170
Rental cash flow+$7,200
5-year hold
+$57,656(115.2% ROI)
Projected value
$283,013
Return breakdown
Property appreciation+$32,871
Loan principal paid down+$12,785
Rental cash flow+$12,000
10-year hold
+$124,526(248.9% ROI)
Projected value
$320,204
Return breakdown
Property appreciation+$70,061
Loan principal paid down+$30,465
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.03
1 BR
0.88
2 BR
0.88
3 BR
0.89
4 BR
0.94
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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ZIP 34660 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34660 (Ozona, FL) is $1,930 a month. That is down 3.0% from $1,990 in FY 2026. Ozona is in the Tampa-St. Petersburg-Clearwater, FL MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 70 ZIP codes in Pinellas County, 34660 is tied for the 31st-highest two-bedroom rent (county range $1,580–$2,880). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34660 is 31% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34660
BedroomsFY 2027Change90–110% range
Studio$1,610+0.6%$1,449–$1,771
1BR$1,660−2.9%$1,494–$1,826
2BR$1,930−3.0%$1,737–$2,123
3BR$2,470−2.8%$2,223–$2,717
4BR$3,000−3.2%$2,700–$3,300

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34660
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,610$1,660$1,930$2,470$3,000
FY 2026$1,600$1,710$1,990$2,540$3,100
FY 2025$1,570$1,690$1,980$2,540$3,090
FY 2024$1,450$1,560$1,850$2,370$2,890
FY 2023$1,280$1,370$1,650$2,110$2,590

Two-bedroom rent in nearby Pinellas County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34660
34660Current$1,930—
34677$1,820−5.7%
34681$2,050+6.2%
34682$1,9300.0%
34683$2,050+6.2%
34684$2,070+7.3%
34685$2,360+22.3%
34688$1,800−6.7%
34689$1,580−18.1%
34695$2,130+10.4%
34697$1,9300.0%
34698$2,060+6.7%

Questions about ZIP 34660 rents

How much will Section 8 pay for a two-bedroom in ZIP 34660?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,930, that basic range is $1,737 to $2,123 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 34660 in?

ZIP 34660 is in the Tampa-St. Petersburg-Clearwater, 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 34660 for FY 2027?

The two-bedroom FMR fell 3.0%, from $1,990 in FY 2026 to $1,930 in FY 2027. Since FY 2023 it has risen 17.0%.

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