FY2027 Small Area FMR · Orange Park, FL

ZIP 32065 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32065 (Orange Park, FL) is $1,970 a month, up 2.1% from FY2026. That is 16% above the Jacksonville, FL area-wide FMR of $1,694.

2-bedroom SAFMR$1,970per month ▲ 2.1%

Area-wide 2 BR FMR$1,694Jacksonville, FL

Rank in the area21stof 82 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,773

2 BR Small Area FMR$1,970

110% of SAFMR$2,167

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$1,630▲ 3.2%

1 BR$1,650▲ 2.5%

2 BR$1,970▲ 2.1%

3 BR$2,410▲ 1.3%

4 BR$3,020▲ 1.3%

FY2027 FY2026

Where 32065 sits in the Jacksonville, FL area

Of the 82 ZIP codes HUD lists for the area, 32065 has the 21st highest two-bedroom Small Area FMR. Jacksonville, FL is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2016), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,773 and $2,167 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,630	$1,467 – $1,793	$1,401	$1,580
1 bedroom	$1,650	$1,485 – $1,815	$1,421	$1,610
2 bedrooms	$1,970	$1,773 – $2,167	$1,694	$1,930
3 bedrooms	$2,410	$2,169 – $2,651	$2,077	$2,380
4 bedrooms	$3,020	$2,718 – $3,322	$2,594	$2,980

A household renting a two-bedroom home at the Small Area FMR of $1,970 needs about $78,800 a year to keep housing costs at 30% of income. The area median family income is $108,700 and the 80% low-income limit for four people is $86,950. ZIP code 32065 lies mainly in Clay County. See the Jacksonville, FL metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
32073	Orange Park	3.7 mi	$1,650
32222	Jacksonville	4.4 mi	$2,040
32244	Jacksonville	5.2 mi	$1,740
32003	Fleming Island	6.5 mi	$2,260
32068	Middleburg	7.4 mi	$1,630
32221	Jacksonville	8.2 mi	$1,940

Questions

What is the Fair Market Rent for ZIP code 32065?

HUD's FY2027 Small Area Fair Market Rents for 32065 are $1,630 (studio), $1,650 (1 BR), $1,970 (2 BR), $2,410 (3 BR) and $3,020 (4 BR) a month.

What is the Section 8 payment standard in 32065?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32065 that range is $1,773 to $2,167 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 32065?

The FY2026 income limits of the Jacksonville, FL area apply: median family income $108,700, low-income (80%) limit $86,950 for a family of four.