FY2027 Small Area FMR · Gainesville, FL

ZIP 32605 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32605 (Gainesville, FL) is $1,760 a month, up 0.6% from FY2026. That is 20% above the Gainesville, FL area-wide FMR of $1,471.

2-bedroom SAFMR$1,760per month ▲ 0.6%

Area-wide 2 BR FMR$1,471Gainesville, FL

Rank in the area4thof 35 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,584

2 BR Small Area FMR$1,760

110% of SAFMR$1,936

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

Studio$1,430▲ 5.9%

1 BR$1,490▲ 2.1%

2 BR$1,760▲ 0.6%

3 BR$2,160▼ 1.4%

4 BR$2,310▼ 0.4%

FY2027 FY2026

Where 32605 sits in the Gainesville, FL area

Of the 35 ZIP codes HUD lists for the area, 32605 has the 4th highest two-bedroom Small Area FMR. Gainesville, 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 $1,471 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,760 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	$1,430	$1,287 – $1,573	$1,197	$1,350
1 bedroom	$1,490	$1,341 – $1,639	$1,241	$1,460
2 bedrooms	$1,760	$1,584 – $1,936	$1,471	$1,750
3 bedrooms	$2,160	$1,944 – $2,376	$1,806	$2,190
4 bedrooms	$2,310	$2,079 – $2,541	$1,933	$2,320

A household renting a two-bedroom home at the Small Area FMR of $1,760 needs about $70,400 a year to keep housing costs at 30% of income. The area median family income is $99,100 and the 80% low-income limit for four people is $79,300. ZIP code 32605 lies mainly in Alachua County. See the Gainesville, FL metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
32610	Gainesville	1.1 mi	$1,490
32603	Gainesville	2.2 mi	$1,370
32612	Gainesville	2.7 mi	$1,460
32607	Gainesville	3.5 mi	$1,520
32601	Gainesville	3.6 mi	$1,380
32606	Gainesville	4.3 mi	$1,870

Questions

What is the Fair Market Rent for ZIP code 32605?

HUD's FY2027 Small Area Fair Market Rents for 32605 are $1,430 (studio), $1,490 (1 BR), $1,760 (2 BR), $2,160 (3 BR) and $2,310 (4 BR) a month.

What is the Section 8 payment standard in 32605?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32605 that range is $1,584 to $1,936 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 32605?

The FY2026 income limits of the Gainesville, FL area apply: median family income $99,100, low-income (80%) limit $79,300 for a family of four.