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Osceola County/Saint Cloud/34773

34773

ZIPSAFMR
Osceola County, FL
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$2,080$2,080
1 BR$2,180$2,180
2 BR$2,490$2,490
3 BR$3,120$3,120
4 BR$3,690$3,690
5 BR$4,244Not available
6 BR$4,880Not available
7 BR$5,612Not available
8 BR$6,454Not available

Purchase Price Calculator

Maximum purchase price
$308,096

Cost breakdown

+Likely effective rent$2,490
HUD FMRUsed$2,490
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,558
Loan amount$246,477
Down payment$61,619
Rate6.50%
Term30 years
-Operating costs-$732
Property taxes-$308
Insurance-$175
Utilities$0
HOA$0
Management-$249
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$39,720(64.5% ROI)
Projected value
$331,786
Return breakdown
Property appreciation+$23,690
Loan principal paid down+$8,831
Rental cash flow+$7,200
5-year hold
+$68,234(110.7% ROI)
Projected value
$348,583
Return breakdown
Property appreciation+$40,486
Loan principal paid down+$15,747
Rental cash flow+$12,000
10-year hold
+$147,816(239.9% ROI)
Projected value
$394,390
Return breakdown
Property appreciation+$86,293
Loan principal paid down+$37,523
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
--
Tax rate
--
Mortgage rate
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ZIP 34773 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34773 (Saint Cloud, FL) is $2,490 a month. That is down 9.8% from $2,760 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, 34773 has the highest two-bedroom rent (county range $1,370–$2,490). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34773 is 69% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34773
BedroomsFY 2027Change90–110% range
Studio$2,080−10.0%$1,872–$2,288
1BR$2,180−9.9%$1,962–$2,398
2BR$2,490−9.8%$2,241–$2,739
3BR$3,120−9.8%$2,808–$3,432
4BR$3,690−9.8%$3,321–$4,059

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34773
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,080$2,180$2,490$3,120$3,690
FY 2026$2,310$2,420$2,760$3,460$4,090
FY 2025$2,290$2,420$2,740$3,480$4,140
FY 2024$2,150$2,260$2,560$3,260$3,930
FY 2023$1,620$1,720$1,950$2,490$3,020

Two-bedroom rent in nearby Osceola County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34773
34743$2,030−18.5%
34744$1,730−30.5%
34745$1,950−21.7%
34746$2,090−16.1%
34747$2,110−15.3%
34758$2,100−15.7%
34759$2,080−16.5%
34769$1,650−33.7%
34770$1,950−21.7%
34771$2,040−18.1%
34772$2,260−9.2%
34773Current$2,490—

Questions about ZIP 34773 rents

How much will Section 8 pay for a two-bedroom in ZIP 34773?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,490, that basic range is $2,241 to $2,739 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 34773 in?

ZIP 34773 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 34773 for FY 2027?

The two-bedroom FMR fell 9.8%, from $2,760 in FY 2026 to $2,490 in FY 2027. Since FY 2023 it has risen 27.7%.

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