FY2027 Small Area FMR · Live Oak, FL
ZIP 32064 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32064 (Live Oak, FL) is $1,050 a month, down 9.5% from FY2026. That is 5% above the Suwannee County, FL area-wide FMR of $999.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 32064 sits in the Suwannee County, FL area
Of the 10 ZIP codes HUD lists for the area, 32064 has the 8th highest two-bedroom Small Area FMR. Suwannee County, FL is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $999 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,050 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $920 | $828 – $1,012 | $871 | $1,010 |
| 1 bedroom | $960 | $864 – $1,056 | $912 | $1,060 |
| 2 bedrooms | $1,050 | $945 – $1,155 | $999 | $1,160 |
| 3 bedrooms | $1,400 | $1,260 – $1,540 | $1,336 | $1,550 |
| 4 bedrooms | $1,480 | $1,332 – $1,628 | $1,416 | $1,640 |
A household renting a two-bedroom home at the Small Area FMR of $1,050 needs about $42,000 a year to keep housing costs at 30% of income. The area median family income is $68,100 and the 80% low-income limit for four people is $62,600. ZIP code 32064 lies mainly in Suwannee County. See the Suwannee County, FL county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 32064?
HUD's FY2027 Small Area Fair Market Rents for 32064 are $920 (studio), $960 (1 BR), $1,050 (2 BR), $1,400 (3 BR) and $1,480 (4 BR) a month.
What is the Section 8 payment standard in 32064?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32064 that range is $945 to $1,155 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 32064?
The FY2026 income limits of the Suwannee County, FL area apply: median family income $68,100, low-income (80%) limit $62,600 for a family of four.