FY2027 Fair Market Rent · Florida
Santa Rosa County Fair Market Rent & Income Limits
HUD's FY2027 Fair Market Rent for a two-bedroom home in Santa Rosa County, FL is $1,548 a month, up 5.2% from FY2026. The area median family income is $92,800, and a family of four counts as low income up to $74,600 a year.
Fair Market Rent by unit size
FY2027 FY2026
Fair Market Rents are gross rents: rent plus the cost of all utilities except phone, cable and internet.
Check your household
Enter your household size and total yearly income before taxes to see which HUD income category it falls in for Santa Rosa County, FL.
Low income (80% limit)
A household of 4 earning $72,600 is under the 80% limit of $74,600 for this area. At 30% of income it could pay about $1,815 a month for rent and utilities.
This is a quick comparison with HUD's published limits, not an eligibility decision. Programs count income in their own ways and many have waiting lists; the local housing agency or property decides.
Income limits in Santa Rosa County
HUD's FY2026 income limits for Pensacola-Ferry Pass-Brent, FL are based on a median family income of $92,800. Programs such as Housing Choice Vouchers, public housing and HOME use the 30%, 50% and 80% columns; Low-Income Housing Tax Credit properties use the 50% and 60% Multifamily Tax Subsidy Project limits.
| People | Extremely low30% / poverty | Very low50% | 60% (LIHTC)MTSP | Low income80% |
|---|---|---|---|---|
| 1 | $19,600 | $32,650 | $39,180 | $52,250 |
| 2 | $22,400 | $37,300 | $44,760 | $59,700 |
| 3 | $27,320 | $41,950 | $50,340 | $67,150 |
| 4 | $33,000 | $46,600 | $55,920 | $74,600 |
| 5 | $38,680 | $50,350 | $60,420 | $80,600 |
| 6 | $44,360 | $54,100 | $64,920 | $86,550 |
| 7 | $50,040 | $57,850 | $69,420 | $92,550 |
| 8 | $55,720 | $61,550 | $73,860 | $98,500 |
Rent history
Since FY2017 the two-bedroom FMR here has gone from $897 to $1,548, up 72.6% over ten years. HUD has published a two-bedroom FMR for this area since FY1983, when it was $346.
What it takes to afford the rent
To keep a two-bedroom rent of $1,548 at no more than 30% of income, the usual affordability rule, a household needs about $61,900 a year. That is 67% of the area median family income of $92,800, so a typical family can afford it with room to spare.
| Unit | FY2027 | FY2026 | FY2025 | Income to affordat 30% |
|---|---|---|---|---|
| Studio | $1,154 | $1,112 | $1,219 | $46,200 |
| 1 bedroom | $1,359 | $1,257 | $1,361 | $54,400 |
| 2 bedrooms | $1,548 | $1,471 | $1,605 | $61,900 |
| 3 bedrooms | $2,034 | $1,952 | $2,147 | $81,400 |
| 4 bedrooms | $2,435 | $2,380 | $2,644 | $97,400 |
How Santa Rosa County compares
Santa Rosa County is part of the Pensacola-Ferry Pass-Brent, FL HUD Metro FMR Area, together with Escambia County. HUD publishes one Fair Market Rent and one set of income limits for the whole area, so the numbers on this page apply in every county of it.
Santa Rosa County has the 31st highest two-bedroom Fair Market Rent of the 67 counties in Florida; the population-weighted average across Florida is $1,962 and the nationwide average is $1,751.
Small Area FMRs by ZIP code
HUD also publishes Small Area Fair Market Rents for each ZIP code. In Santa Rosa County the two-bedroom figure ranges from $1,330 to $2,170 across 10 ZIP codes, against the area-wide $1,548. This area is not on HUD's list of mandatory Small Area FMR areas, so most agencies here use the area-wide FMR; an agency may still opt in to ZIP-level rents.
Questions
What is the Fair Market Rent in Santa Rosa County, FL for 2027?
For FY2027 (October 1, 2026 to September 30, 2027) HUD's Fair Market Rents in Santa Rosa County, FL are $1,154 for a studio, $1,359 for one bedroom, $1,548 for two bedrooms, $2,034 for three and $2,435 for four bedrooms, per month including utilities.
What is the area median income in Santa Rosa County, FL?
HUD's FY2026 median family income for the area is $92,800, down 7.4% from $100,200 in FY2025.
What is 80% of AMI in Santa Rosa County, FL for a family of 4?
The FY2026 low-income limit (80%) for a household of four is $74,600 a year. The very low-income limit (50%) is $46,600 and the extremely low-income limit is $33,000.
What is the 60% AMI limit for tax credit housing in Santa Rosa County, FL?
Under HUD's FY2026 Multifamily Tax Subsidy Project limits, the 60% limit is $39,180 for one person and $55,920 for four.
Is the Fair Market Rent the same as the Section 8 payment standard?
No. Housing agencies set their payment standard between 90% and 110% of the FMR (for a two-bedroom here: $1,393 to $1,703), and can ask HUD for exceptions. Check the payment standard with your local housing agency.