FY2027 Small Area FMR · Satsuma, FL

ZIP 32189 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32189 (Satsuma, FL) is $1,040 a month, up 4.0% from FY2026. That is 0% equal to the Putnam County, FL area-wide FMR of $1,040.

2-bedroom SAFMR$1,040per month ▲ 4.0%

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

Rank in the area16thof 20 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$936

2 BR Small Area FMR$1,040

110% of SAFMR$1,144

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

Studio$790▲ 3.9%

1 BR$800▲ 5.3%

2 BR$1,040▲ 4.0%

3 BR$1,310▲ 4.0%

4 BR$1,380▲ 4.5%

FY2027 FY2026

Where 32189 sits in the Putnam County, FL area

Of the 20 ZIP codes HUD lists for the area, 32189 has the 16th 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 $1,040 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	$790	$711 – $869	$787	$760
1 bedroom	$800	$720 – $880	$792	$760
2 bedrooms	$1,040	$936 – $1,144	$1,040	$1,000
3 bedrooms	$1,310	$1,179 – $1,441	$1,307	$1,260
4 bedrooms	$1,380	$1,242 – $1,518	$1,377	$1,320

A household renting a two-bedroom home at the Small Area FMR of $1,040 needs about $41,600 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 32189 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
32193	Welaka	3.1 mi	$1,100
32181	Pomona Park	4.0 mi	$1,040
32187	San Mateo	6.2 mi	$1,090
32157	Lake Como	7.0 mi	$1,160
32147	Hollister	8.3 mi	$1,050
32112	Crescent City	9.5 mi	$1,530

Questions

What is the Fair Market Rent for ZIP code 32189?

HUD's FY2027 Small Area Fair Market Rents for 32189 are $790 (studio), $800 (1 BR), $1,040 (2 BR), $1,310 (3 BR) and $1,380 (4 BR) a month.

What is the Section 8 payment standard in 32189?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32189 that range is $936 to $1,144 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 32189?

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.