FY2027 Small Area FMR · Jacksonville, FL

ZIP 32228 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32228 (Jacksonville, FL) is $2,150 a month, down 5.3% from FY2026. That is 27% above the Jacksonville, FL area-wide FMR of $1,694.

2-bedroom SAFMR$2,150per month ▼ 5.3%

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

Rank in the area8thof 82 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,935

2 BR Small Area FMR$2,150

110% of SAFMR$2,365

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

Studio$1,780▼ 3.8%

1 BR$1,800▼ 5.8%

2 BR$2,150▼ 5.3%

3 BR$2,640▼ 7.0%

4 BR$3,290▼ 8.6%

FY2027 FY2026

Where 32228 sits in the Jacksonville, FL area

Of the 82 ZIP codes HUD lists for the area, 32228 has the 8th 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 $1,935 and $2,365 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,780	$1,602 – $1,958	$1,401	$1,850
1 bedroom	$1,800	$1,620 – $1,980	$1,421	$1,910
2 bedrooms	$2,150	$1,935 – $2,365	$1,694	$2,270
3 bedrooms	$2,640	$2,376 – $2,904	$2,077	$2,840
4 bedrooms	$3,290	$2,961 – $3,619	$2,594	$3,600

A household renting a two-bedroom home at the Small Area FMR of $2,150 needs about $86,000 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 32228 lies mainly in Duval 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
32227	Jacksonville	0.3 mi	$2,150
32233	Atlantic Beach	2.6 mi	$1,790
32266	Neptune Beach	5.2 mi	$1,850
32225	Jacksonville	6.7 mi	$1,920
32250	Jacksonville Beach	7.7 mi	$2,140
32226	Jacksonville	8.8 mi	$2,540

Questions

What is the Fair Market Rent for ZIP code 32228?

HUD's FY2027 Small Area Fair Market Rents for 32228 are $1,780 (studio), $1,800 (1 BR), $2,150 (2 BR), $2,640 (3 BR) and $3,290 (4 BR) a month.

What is the Section 8 payment standard in 32228?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32228 that range is $1,935 to $2,365 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 32228?

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.