FY2027 Small Area FMR · Gulf Breeze, FL

ZIP 32561 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32561 (Gulf Breeze, FL) is $1,870 a month, down 5.1% from FY2026. That is 21% above the Pensacola-Ferry Pass-Brent, FL area-wide FMR of $1,548.

2-bedroom SAFMR$1,870per month ▼ 5.1%

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

Rank in the area4thof 37 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,683

2 BR Small Area FMR$1,870

110% of SAFMR$2,057

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

Studio$1,390▼ 7.3%

1 BR$1,640▼ 1.8%

2 BR$1,870▼ 5.1%

3 BR$2,460▼ 6.5%

4 BR$2,940▼ 9.3%

FY2027 FY2026

Where 32561 sits in the Pensacola-Ferry Pass-Brent, FL area

Of the 37 ZIP codes HUD lists for the area, 32561 has the 4th 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 $1,870 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	$1,390	$1,251 – $1,529	$1,154	$1,500
1 bedroom	$1,640	$1,476 – $1,804	$1,359	$1,670
2 bedrooms	$1,870	$1,683 – $2,057	$1,548	$1,970
3 bedrooms	$2,460	$2,214 – $2,706	$2,034	$2,630
4 bedrooms	$2,940	$2,646 – $3,234	$2,435	$3,240

A household renting a two-bedroom home at the Small Area FMR of $1,870 needs about $74,800 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 32561 lies mainly in Escambia County and Santa Rosa 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
32563	Gulf Breeze	6.4 mi	$2,030
32502	Pensacola	8.1 mi	$1,580
32501	Pensacola	8.9 mi	$1,330
32504	Pensacola	10.1 mi	$1,530
32503	Pensacola	10.2 mi	$1,500
32511	Pensacola	11.5 mi	$1,560

Questions

What is the Fair Market Rent for ZIP code 32561?

HUD's FY2027 Small Area Fair Market Rents for 32561 are $1,390 (studio), $1,640 (1 BR), $1,870 (2 BR), $2,460 (3 BR) and $2,940 (4 BR) a month.

What is the Section 8 payment standard in 32561?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32561 that range is $1,683 to $2,057 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 32561?

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.