Skip to main content
Loading page
Osceola County/Saint Cloud/34772

34772

ZIPSAFMR
Osceola County, FL
Zillow

ZIP Investment Score

83Below average

095130300
BRFMR
Eff. Rent
0 BR$1,910$1,760
1 BR$1,990$1,780
2 BR$2,260$1,950
3 BR$2,820$2,100
4 BR$3,290$2,410
5 BR$3,783Not available
6 BR$4,351Not available
7 BR$5,004Not available
8 BR$5,754Not available

Purchase Price Calculator

Maximum purchase price
$227,853

Cost breakdown

+Likely effective rent$1,950
HUD FMR$2,260
Market rentUsed$1,950
Est. payment standard (91%)$2,060
-Principal and interest-$1,152
Loan amount$182,282
Down payment$45,571
Rate6.50%
Term30 years
-Operating costs-$598
Property taxes-$228
Insurance-$175
Utilities$0
HOA$0
Management-$195
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,250(68.6% ROI)
Projected value
$245,372
Return breakdown
Property appreciation+$17,520
Loan principal paid down+$6,531
Rental cash flow+$7,200
5-year hold
+$53,588(117.6% ROI)
Projected value
$257,794
Return breakdown
Property appreciation+$29,942
Loan principal paid down+$11,646
Rental cash flow+$12,000
10-year hold
+$115,568(253.6% ROI)
Projected value
$291,671
Return breakdown
Property appreciation+$63,818
Loan principal paid down+$27,750
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Studio
1.09
1 BR
1.12
2 BR
1.16
3 BR
1.34
4 BR
1.37
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 34772 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34772 (Saint Cloud, FL) is $2,260 a month. That is up 2.3% from $2,210 in FY 2026. Saint Cloud 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, 34772 is tied for the 5th-highest two-bedroom rent (county range $1,370–$2,490). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34772 is 53% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34772
BedroomsFY 2027Change90–110% range
Studio$1,910+3.2%$1,719–$2,101
1BR$1,990+2.6%$1,791–$2,189
2BR$2,260+2.3%$2,034–$2,486
3BR$2,820+1.8%$2,538–$3,102
4BR$3,290+0.3%$2,961–$3,619

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34772
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,910$1,990$2,260$2,820$3,290
FY 2026$1,850$1,940$2,210$2,770$3,280
FY 2025$1,820$1,920$2,180$2,770$3,300
FY 2024$1,700$1,790$2,030$2,580$3,110
FY 2023$1,520$1,620$1,840$2,350$2,850

Two-bedroom rent in nearby Osceola County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34772
34743$2,030−10.2%
34744$1,730−23.5%
34745$1,950−13.7%
34746$2,090−7.5%
34747$2,110−6.6%
34758$2,100−7.1%
34759$2,080−8.0%
34769$1,650−27.0%
34770$1,950−13.7%
34771$2,040−9.7%
34772Current$2,260—
34773$2,490+10.2%

Questions about ZIP 34772 rents

How much will Section 8 pay for a two-bedroom in ZIP 34772?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,260, that basic range is $2,034 to $2,486 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 34772 in?

ZIP 34772 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 34772 for FY 2027?

The two-bedroom FMR rose 2.3%, from $2,210 in FY 2026 to $2,260 in FY 2027. Since FY 2023 it has risen 22.8%.

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