FY2027 Small Area FMR · Lake Como, FL

ZIP 32157 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32157 (Lake Como, FL) is $1,160 a month, down 9.4% from FY2026. That is 12% above the Putnam County, FL area-wide FMR of $1,040.

2-bedroom SAFMR$1,160per month ▼ 9.4%

Area-wide 2 BR FMR$1,040Putnam County, FL

Rank in the area9thof 20 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,044

2 BR Small Area FMR$1,160

110% of SAFMR$1,276

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

Studio$880▼ 9.3%

1 BR$890▼ 9.2%

2 BR$1,160▼ 9.4%

3 BR$1,450▼ 9.9%

4 BR$1,530▼ 9.5%

FY2027 FY2026

Where 32157 sits in the Putnam County, FL area

Of the 20 ZIP codes HUD lists for the area, 32157 has the 9th highest two-bedroom Small Area FMR. Putnam 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 $1,040 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,160 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$880	$792 – $968	$787	$970
1 bedroom	$890	$801 – $979	$792	$980
2 bedrooms	$1,160	$1,044 – $1,276	$1,040	$1,280
3 bedrooms	$1,450	$1,305 – $1,595	$1,307	$1,610
4 bedrooms	$1,530	$1,377 – $1,683	$1,377	$1,690

A household renting a two-bedroom home at the Small Area FMR of $1,160 needs about $46,400 a year to keep housing costs at 30% of income. The area median family income is $73,500 and the 80% low-income limit for four people is $62,600. ZIP code 32157 lies mainly in Putnam County. See the Putnam County, FL county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
32112	Crescent City	2.6 mi	$1,530
32181	Pomona Park	3.1 mi	$1,040
32193	Welaka	4.8 mi	$1,100
32139	Georgetown	6.4 mi	$1,040
32189	Satsuma	7.0 mi	$1,040
32187	San Mateo	7.9 mi	$1,090

Questions

What is the Fair Market Rent for ZIP code 32157?

HUD's FY2027 Small Area Fair Market Rents for 32157 are $880 (studio), $890 (1 BR), $1,160 (2 BR), $1,450 (3 BR) and $1,530 (4 BR) a month.

What is the Section 8 payment standard in 32157?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32157 that range is $1,044 to $1,276 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 32157?

The FY2026 income limits of the Putnam County, FL area apply: median family income $73,500, low-income (80%) limit $62,600 for a family of four.