FY2027 Small Area FMR · East Palatka, FL
ZIP 32131 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32131 (East Palatka, FL) is $1,420 a month, down 9.6% from FY2026. That is 16% below the Jacksonville, FL area-wide FMR of $1,694.
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 32131 sits in the Jacksonville, FL area
Of the 82 ZIP codes HUD lists for the area, 32131 has the 63rd 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 $1,278 and $1,562 for two bedrooms.
ZIP code 32131 crosses more than one HUD area. HUD also lists it under Putnam County, FL (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,100 | $990 – $1,210 | $1,401 | $1,220 |
| 1 bedroom | $1,200 | $1,080 – $1,320 | $1,421 | $1,330 |
| 2 bedrooms | $1,420 | $1,278 – $1,562 | $1,694 | $1,570 |
| 3 bedrooms | $1,790 | $1,611 – $1,969 | $2,077 | $1,980 |
| 4 bedrooms | $2,270 | $2,043 – $2,497 | $2,594 | $2,520 |
A household renting a two-bedroom home at the Small Area FMR of $1,420 needs about $56,800 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 32131 lies mainly in Putnam County and St. Johns County. See the Jacksonville, FL metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 32131?
HUD's FY2027 Small Area Fair Market Rents for 32131 are $1,100 (studio), $1,200 (1 BR), $1,420 (2 BR), $1,790 (3 BR) and $2,270 (4 BR) a month.
What is the Section 8 payment standard in 32131?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32131 that range is $1,278 to $1,562 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 32131?
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.