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34739

ZIPSAFMR
Osceola County, FL
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,440$1,440
1 BR$1,510$1,510
2 BR$1,770$1,770
3 BR$2,270$2,270
4 BR$2,700$2,700
5 BR$3,105Not available
6 BR$3,571Not available
7 BR$4,106Not available
8 BR$4,722Not available

Purchase Price Calculator

Maximum purchase price
$201,105

Cost breakdown

+Likely effective rent$1,770
HUD FMRUsed$1,770
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,017
Loan amount$160,884
Down payment$40,221
Rate6.50%
Term30 years
-Operating costs-$553
Property taxes-$201
Insurance-$175
Utilities$0
HOA$0
Management-$177
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,427(70.7% ROI)
Projected value
$216,568
Return breakdown
Property appreciation+$15,463
Loan principal paid down+$5,764
Rental cash flow+$7,200
5-year hold
+$48,706(121.1% ROI)
Projected value
$227,532
Return breakdown
Property appreciation+$26,427
Loan principal paid down+$10,279
Rental cash flow+$12,000
10-year hold
+$104,819(260.6% ROI)
Projected value
$257,431
Return breakdown
Property appreciation+$56,326
Loan principal paid down+$24,493
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 34739 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34739 (Kenansville, FL) is $1,770 a month. That is down 9.7% from $1,960 in FY 2026. Kenansville is in the Orlando-Kissimmee-Sanford, FL MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 24 ZIP codes in Osceola County, 34739 has the 21st-highest two-bedroom rent (county range $1,370–$2,490). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34739 is 20% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34739
BedroomsFY 2027Change90–110% range
Studio$1,440−10.0%$1,296–$1,584
1BR$1,510−9.6%$1,359–$1,661
2BR$1,770−9.7%$1,593–$1,947
3BR$2,270−9.9%$2,043–$2,497
4BR$2,700−9.7%$2,430–$2,970

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34739
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,440$1,510$1,770$2,270$2,700
FY 2026$1,600$1,670$1,960$2,520$2,990
FY 2025$1,520$1,600$1,870$2,420$2,890
FY 2024$1,400$1,480$1,710$2,210$2,720
FY 2023$1,170$1,240$1,440$1,870$2,310

Two-bedroom rent in nearby Osceola County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34739
34714$1,970+11.3%
34739Current$1,770—
34741$1,900+7.3%
34742$1,950+10.2%
34743$2,030+14.7%
34744$1,730−2.3%
34745$1,950+10.2%
34746$2,090+18.1%
34747$2,110+19.2%
34758$2,100+18.6%
34759$2,080+17.5%
34769$1,650−6.8%

Questions about ZIP 34739 rents

How much will Section 8 pay for a two-bedroom in ZIP 34739?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,770, that basic range is $1,593 to $1,947 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 34739 in?

ZIP 34739 is in the Orlando-Kissimmee-Sanford, 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 34739 for FY 2027?

The two-bedroom FMR fell 9.7%, from $1,960 in FY 2026 to $1,770 in FY 2027. Since FY 2023 it has risen 22.9%.

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