FY2027 Small Area FMR · Pensacola, FL

ZIP 32513 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32513 (Pensacola, FL) is $1,510 a month, up 4.1% from FY2026. That is 2% below the Pensacola-Ferry Pass-Brent, FL area-wide FMR of $1,548.

2-bedroom SAFMR$1,510per month ▲ 4.1%

Area-wide 2 BR FMR$1,548Pensacola-Ferry Pass-Brent,

Rank in the area21stof 37 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,359

2 BR Small Area FMR$1,510

110% of SAFMR$1,661

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

Studio$1,130▲ 2.7%

1 BR$1,330▲ 8.1%

2 BR$1,510▲ 4.1%

3 BR$1,980▲ 2.1%

4 BR$2,380■ 0.0%

FY2027 FY2026

Where 32513 sits in the Pensacola-Ferry Pass-Brent, FL area

Of the 37 ZIP codes HUD lists for the area, 32513 has the 21st highest two-bedroom Small Area FMR. Pensacola-Ferry Pass-Brent, 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 $1,548 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,510 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	$1,130	$1,017 – $1,243	$1,154	$1,100
1 bedroom	$1,330	$1,197 – $1,463	$1,359	$1,230
2 bedrooms	$1,510	$1,359 – $1,661	$1,548	$1,450
3 bedrooms	$1,980	$1,782 – $2,178	$2,034	$1,940
4 bedrooms	$2,380	$2,142 – $2,618	$2,435	$2,380

A household renting a two-bedroom home at the Small Area FMR of $1,510 needs about $60,400 a year to keep housing costs at 30% of income. The area median family income is $92,800 and the 80% low-income limit for four people is $74,600. ZIP code 32513 lies mainly in Escambia County. See the Pensacola-Ferry Pass-Brent, FL metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
32534	Pensacola	2.3 mi	$1,580
32514	Pensacola	2.9 mi	$1,730
32533	Cantonment	5.4 mi	$1,330
32505	Pensacola	7.1 mi	$1,330
32504	Pensacola	7.3 mi	$1,530
32503	Pensacola	7.3 mi	$1,500

Questions

What is the Fair Market Rent for ZIP code 32513?

HUD's FY2027 Small Area Fair Market Rents for 32513 are $1,130 (studio), $1,330 (1 BR), $1,510 (2 BR), $1,980 (3 BR) and $2,380 (4 BR) a month.

What is the Section 8 payment standard in 32513?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32513 that range is $1,359 to $1,661 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 32513?

The FY2026 income limits of the Pensacola-Ferry Pass-Brent, FL area apply: median family income $92,800, low-income (80%) limit $74,600 for a family of four.