FY2027 Small Area FMR · Hurlburt Field, FL

ZIP 32544 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32544 (Hurlburt Field, FL) is $2,450 a month, up 3.4% from FY2026. That is 28% above the Crestview-Fort Walton Beach-Destin, FL area-wide FMR of $1,908.

2-bedroom SAFMR$2,450per month ▲ 3.4%

Area-wide 2 BR FMR$1,908Crestview-Fort Walton Beach-

Rank in the area3rdof 18 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,205

2 BR Small Area FMR$2,450

110% of SAFMR$2,695

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

Studio$1,820▲ 0.6%

1 BR$2,190▲ 4.3%

2 BR$2,450▲ 3.4%

3 BR$3,360▲ 3.4%

4 BR$4,100▲ 3.5%

FY2027 FY2026

Where 32544 sits in the Crestview-Fort Walton Beach-Destin, FL area

Of the 18 ZIP codes HUD lists for the area, 32544 has the 3rd highest two-bedroom Small Area FMR. Crestview-Fort Walton Beach-Destin, 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 $1,908 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,450 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	$1,820	$1,638 – $2,002	$1,421	$1,810
1 bedroom	$2,190	$1,971 – $2,409	$1,706	$2,100
2 bedrooms	$2,450	$2,205 – $2,695	$1,908	$2,370
3 bedrooms	$3,360	$3,024 – $3,696	$2,616	$3,250
4 bedrooms	$4,100	$3,690 – $4,510	$3,189	$3,960

A household renting a two-bedroom home at the Small Area FMR of $2,450 needs about $98,000 a year to keep housing costs at 30% of income. The area median family income is $106,700 and the 80% low-income limit for four people is $85,350. ZIP code 32544 lies mainly in Okaloosa County. See the Crestview-Fort Walton Beach-Destin, FL county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
32569	Mary Esther	2.3 mi	$1,880
32548	Fort Walton Beach	2.6 mi	$1,910
32547	Fort Walton Beach	3.7 mi	$1,850
32579	Shalimar	7.5 mi	$2,030
32542	Eglin Afb	10.6 mi	$2,530
32566	Navarre	10.9 mi	$2,170

Questions

What is the Fair Market Rent for ZIP code 32544?

HUD's FY2027 Small Area Fair Market Rents for 32544 are $1,820 (studio), $2,190 (1 BR), $2,450 (2 BR), $3,360 (3 BR) and $4,100 (4 BR) a month.

What is the Section 8 payment standard in 32544?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32544 that range is $2,205 to $2,695 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 32544?

The FY2026 income limits of the Crestview-Fort Walton Beach-Destin, FL area apply: median family income $106,700, low-income (80%) limit $85,350 for a family of four.