FY2027 Small Area FMR · Gainesville, FL
ZIP 32609 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32609 (Gainesville, FL) is $1,450 a month, up 1.4% from FY2026. That is 1% below the Gainesville, FL area-wide FMR of $1,471.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 32609 sits in the Gainesville, FL area
Of the 35 ZIP codes HUD lists for the area, 32609 has the 16th 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 $1,450 for this ZIP code instead.
ZIP code 32609 crosses more than one HUD area. HUD also lists it under Bradford County, FL (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,180 | $1,062 – $1,298 | $1,197 | $1,080 |
| 1 bedroom | $1,220 | $1,098 – $1,342 | $1,241 | $1,180 |
| 2 bedrooms | $1,450 | $1,305 – $1,595 | $1,471 | $1,430 |
| 3 bedrooms | $1,780 | $1,602 – $1,958 | $1,806 | $1,820 |
| 4 bedrooms | $1,910 | $1,719 – $2,101 | $1,933 | $1,890 |
A household renting a two-bedroom home at the Small Area FMR of $1,450 needs about $58,000 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 32609 lies mainly in Alachua County. See the Gainesville, FL metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 32609?
HUD's FY2027 Small Area Fair Market Rents for 32609 are $1,180 (studio), $1,220 (1 BR), $1,450 (2 BR), $1,780 (3 BR) and $1,910 (4 BR) a month.
What is the Section 8 payment standard in 32609?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32609 that range is $1,305 to $1,595 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 32609?
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.