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Osceola County/Kissimmee/34746

34746

ZIPSAFMR
Osceola County, FL
Zillow

ZIP Investment Score

102Above average

095130300
BRFMR
Eff. Rent
0 BR$1,770$1,820
1 BR$1,840$1,870
2 BR$2,090$2,070
3 BR$2,610$2,250
4 BR$3,050$2,440
5 BR$3,507Not available
6 BR$4,034Not available
7 BR$4,639Not available
8 BR$5,334Not available

Purchase Price Calculator

Maximum purchase price
$245,685

Cost breakdown

+Likely effective rent$2,070
HUD FMR$2,090
Market rentUsed$2,070
Est. payment standard (99%)$2,080
-Principal and interest-$1,242
Loan amount$196,548
Down payment$49,137
Rate6.50%
Term30 years
-Operating costs-$628
Property taxes-$246
Insurance-$175
Utilities$0
HOA$0
Management-$207
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$33,133(67.4% ROI)
Projected value
$264,576
Return breakdown
Property appreciation+$18,891
Loan principal paid down+$7,042
Rental cash flow+$7,200
5-year hold
+$56,842(115.7% ROI)
Projected value
$277,970
Return breakdown
Property appreciation+$32,285
Loan principal paid down+$12,557
Rental cash flow+$12,000
10-year hold
+$122,735(249.8% ROI)
Projected value
$314,497
Return breakdown
Property appreciation+$68,812
Loan principal paid down+$29,922
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.96
1 BR
0.98
2 BR
1.01
3 BR
1.16
4 BR
1.25
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 34746 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34746 (Kissimmee, FL) is $2,090 a month. That is down 1.9% from $2,130 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, 34746 has the 12th-highest two-bedroom rent (county range $1,370–$2,490). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34746 is 42% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34746
BedroomsFY 2027Change90–110% range
Studio$1,770−0.6%$1,593–$1,947
1BR$1,840−1.6%$1,656–$2,024
2BR$2,090−1.9%$1,881–$2,299
3BR$2,610−2.2%$2,349–$2,871
4BR$3,050−3.5%$2,745–$3,355

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34746
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,770$1,840$2,090$2,610$3,050
FY 2026$1,780$1,870$2,130$2,670$3,160
FY 2025$1,770$1,870$2,120$2,690$3,210
FY 2024$1,730$1,820$2,060$2,620$3,160
FY 2023$1,540$1,640$1,860$2,380$2,880

Two-bedroom rent in nearby Osceola County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34746
34739$1,770−15.3%
34741$1,900−9.1%
34742$1,950−6.7%
34743$2,030−2.9%
34744$1,730−17.2%
34745$1,950−6.7%
34746Current$2,090—
34747$2,110+1.0%
34758$2,100+0.5%
34759$2,080−0.5%
34769$1,650−21.1%
34770$1,950−6.7%

Questions about ZIP 34746 rents

How much will Section 8 pay for a two-bedroom in ZIP 34746?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,090, that basic range is $1,881 to $2,299 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 34746 in?

ZIP 34746 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 34746 for FY 2027?

The two-bedroom FMR fell 1.9%, from $2,130 in FY 2026 to $2,090 in FY 2027. Since FY 2023 it has risen 12.4%.

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