FY2027 Small Area FMR · Orange Lake, FL

ZIP 32681 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32681 (Orange Lake, FL) is $1,390 a month, up 15.8% from FY2026. That is 0% equal to the Ocala, FL area-wide FMR of $1,394.

2-bedroom SAFMR$1,390per month ▲ 15.8%

Area-wide 2 BR FMR$1,394Ocala, FL

Rank in the area10thof 45 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,251

2 BR Small Area FMR$1,390

110% of SAFMR$1,529

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

Studio$1,190▲ 29.3%

1 BR$1,200▲ 21.2%

2 BR$1,390▲ 15.8%

3 BR$1,830▲ 19.6%

4 BR$1,920▲ 16.4%

FY2027 FY2026

Where 32681 sits in the Ocala, FL area

Of the 45 ZIP codes HUD lists for the area, 32681 has the 10th highest two-bedroom Small Area FMR. Ocala, 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 $1,394 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,390 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	$1,190	$1,071 – $1,309	$1,194	$920
1 bedroom	$1,200	$1,080 – $1,320	$1,201	$990
2 bedrooms	$1,390	$1,251 – $1,529	$1,394	$1,200
3 bedrooms	$1,830	$1,647 – $2,013	$1,836	$1,530
4 bedrooms	$1,920	$1,728 – $2,112	$1,925	$1,650

A household renting a two-bedroom home at the Small Area FMR of $1,390 needs about $55,600 a year to keep housing costs at 30% of income. The area median family income is $84,000 and the 80% low-income limit for four people is $67,200. ZIP code 32681 lies mainly in Marion County. See the Ocala, FL county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
32664	Mc Intosh	1.7 mi	$1,240
32686	Reddick	6.3 mi	$1,240
32634	Fairfield	6.6 mi	$1,390
32113	Citra	7.1 mi	$1,240
32667	Micanopy	8.6 mi	$1,350
32192	Sparr	9.0 mi	$1,240

Questions

What is the Fair Market Rent for ZIP code 32681?

HUD's FY2027 Small Area Fair Market Rents for 32681 are $1,190 (studio), $1,200 (1 BR), $1,390 (2 BR), $1,830 (3 BR) and $1,920 (4 BR) a month.

What is the Section 8 payment standard in 32681?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32681 that range is $1,251 to $1,529 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 32681?

The FY2026 income limits of the Ocala, FL area apply: median family income $84,000, low-income (80%) limit $67,200 for a family of four.