FY2027 Small Area FMR · Keystone Heights, FL
ZIP 32656 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32656 (Keystone Heights, FL) is $1,230 a month, unchanged from FY2026. That is 27% below the Jacksonville, FL area-wide FMR of $1,694.
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 32656 sits in the Jacksonville, FL area
Of the 82 ZIP codes HUD lists for the area, 32656 has the 74th highest two-bedroom Small Area FMR. Jacksonville, FL is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2016), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,107 and $1,353 for two bedrooms.
ZIP code 32656 crosses more than one HUD area. HUD also lists it under Bradford County, FL (same figures) and Putnam 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 | $1,020 | $918 – $1,122 | $1,401 | $1,010 |
| 1 bedroom | $1,040 | $936 – $1,144 | $1,421 | $1,030 |
| 2 bedrooms | $1,230 | $1,107 – $1,353 | $1,694 | $1,230 |
| 3 bedrooms | $1,500 | $1,350 – $1,650 | $2,077 | $1,520 |
| 4 bedrooms | $1,890 | $1,701 – $2,079 | $2,594 | $1,920 |
A household renting a two-bedroom home at the Small Area FMR of $1,230 needs about $49,200 a year to keep housing costs at 30% of income. The area median family income is $108,700 and the 80% low-income limit for four people is $86,950. ZIP code 32656 lies mainly in Clay County and Bradford County. See the Jacksonville, 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 32656?
HUD's FY2027 Small Area Fair Market Rents for 32656 are $1,020 (studio), $1,040 (1 BR), $1,230 (2 BR), $1,500 (3 BR) and $1,890 (4 BR) a month.
What is the Section 8 payment standard in 32656?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32656 that range is $1,107 to $1,353 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 32656?
The FY2026 income limits of the Jacksonville, FL area apply: median family income $108,700, low-income (80%) limit $86,950 for a family of four.