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Osceola County/Kissimmee/34744

34744

ZIPSAFMR
Osceola County, FL
Zillow

ZIP Investment Score

88Below average

095130300
BRFMR
Eff. Rent
0 BR$1,460$1,450
1 BR$1,520$1,390
2 BR$1,730$1,820
3 BR$2,160$2,130
4 BR$2,520$2,550
5 BR$2,898Not available
6 BR$3,333Not available
7 BR$3,833Not available
8 BR$4,407Not available

Purchase Price Calculator

Maximum purchase price
$208,535

Cost breakdown

+Likely effective rent$1,820
HUD FMR$1,730
Market rent$1,870
Est. payment standard (105%)Used$1,820
-Principal and interest-$1,054
Loan amount$166,828
Down payment$41,707
Rate6.50%
Term30 years
-Operating costs-$566
Property taxes-$209
Insurance-$175
Utilities$0
HOA$0
Management-$182
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,211(70.0% ROI)
Projected value
$224,569
Return breakdown
Property appreciation+$16,034
Loan principal paid down+$5,977
Rental cash flow+$7,200
5-year hold
+$50,062(120.0% ROI)
Projected value
$235,938
Return breakdown
Property appreciation+$27,403
Loan principal paid down+$10,659
Rental cash flow+$12,000
10-year hold
+$107,805(258.5% ROI)
Projected value
$266,942
Return breakdown
Property appreciation+$58,407
Loan principal paid down+$25,398
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.01
1 BR
1.09
2 BR
0.93
3 BR
1.01
4 BR
0.98
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 34744 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34744 (Kissimmee, FL) is $1,730 a month. That is up 0.6% from $1,720 in FY 2026. Kissimmee 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, 34744 has the 22nd-highest two-bedroom rent (county range $1,370–$2,490). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34744 is 17% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34744
BedroomsFY 2027Change90–110% range
Studio$1,460+1.4%$1,314–$1,606
1BR$1,520+0.7%$1,368–$1,672
2BR$1,730+0.6%$1,557–$1,903
3BR$2,1600.0%$1,944–$2,376
4BR$2,520−1.2%$2,268–$2,772

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34744
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,460$1,520$1,730$2,160$2,520
FY 2026$1,440$1,510$1,720$2,160$2,550
FY 2025$1,450$1,530$1,740$2,210$2,630
FY 2024$1,450$1,530$1,730$2,200$2,650
FY 2023$1,310$1,390$1,580$2,020$2,450

Two-bedroom rent in nearby Osceola County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34744
34739$1,770+2.3%
34741$1,900+9.8%
34742$1,950+12.7%
34743$2,030+17.3%
34744Current$1,730—
34745$1,950+12.7%
34746$2,090+20.8%
34747$2,110+22.0%
34758$2,100+21.4%
34759$2,080+20.2%
34769$1,650−4.6%
34770$1,950+12.7%

Questions about ZIP 34744 rents

How much will Section 8 pay for a two-bedroom in ZIP 34744?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,730, that basic range is $1,557 to $1,903 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 34744 in?

ZIP 34744 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 34744 for FY 2027?

The two-bedroom FMR rose 0.6%, from $1,720 in FY 2026 to $1,730 in FY 2027. Since FY 2023 it has risen 9.5%.

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