FY2027 Small Area FMR · Navarre, FL

ZIP 32566 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32566 (Navarre, FL) is $2,170 a month, up 6.4% from FY2026. That is 40% above the Pensacola-Ferry Pass-Brent, FL area-wide FMR of $1,548.

2-bedroom SAFMR$2,170per month ▲ 6.4%

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

Rank in the area1stof 37 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,953

2 BR Small Area FMR$2,170

110% of SAFMR$2,387

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

Studio$1,620▲ 5.2%

1 BR$1,900▲ 9.2%

2 BR$2,170▲ 6.4%

3 BR$2,850▲ 5.2%

4 BR$3,410▲ 3.6%

FY2027 FY2026

Where 32566 sits in the Pensacola-Ferry Pass-Brent, FL area

Of the 37 ZIP codes HUD lists for the area, 32566 has the 1st 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 $2,170 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	$1,620	$1,458 – $1,782	$1,154	$1,540
1 bedroom	$1,900	$1,710 – $2,090	$1,359	$1,740
2 bedrooms	$2,170	$1,953 – $2,387	$1,548	$2,040
3 bedrooms	$2,850	$2,565 – $3,135	$2,034	$2,710
4 bedrooms	$3,410	$3,069 – $3,751	$2,435	$3,290

A household renting a two-bedroom home at the Small Area FMR of $2,170 needs about $86,800 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 32566 lies mainly in 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
32569	Mary Esther	9.0 mi	$1,880
32563	Gulf Breeze	9.3 mi	$2,030
32548	Fort Walton Beach	9.8 mi	$1,910
32544	Hurlburt Field	10.9 mi	$2,450
32583	Milton	12.1 mi	$1,550
32547	Fort Walton Beach	12.9 mi	$1,850

Questions

What is the Fair Market Rent for ZIP code 32566?

HUD's FY2027 Small Area Fair Market Rents for 32566 are $1,620 (studio), $1,900 (1 BR), $2,170 (2 BR), $2,850 (3 BR) and $3,410 (4 BR) a month.

What is the Section 8 payment standard in 32566?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32566 that range is $1,953 to $2,387 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 32566?

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.