FY2027 Small Area FMR · Christmas, FL
ZIP 32709 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 32709 (Christmas, FL) is $1,670 a month, unchanged from FY2026. That is 15% below the Orlando-Kissimmee-Sanford, FL area-wide FMR of $1,959.
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 32709 sits in the Orlando-Kissimmee-Sanford, FL area
Of the 154 ZIP codes HUD lists for the area, 32709 has the 132nd highest two-bedroom Small Area FMR. Orlando-Kissimmee-Sanford, FL is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2023), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,503 and $1,837 for two bedrooms.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,320 | $1,188 – $1,452 | $1,658 | $1,320 |
| 1 bedroom | $1,450 | $1,305 – $1,595 | $1,726 | $1,450 |
| 2 bedrooms | $1,670 | $1,503 – $1,837 | $1,959 | $1,670 |
| 3 bedrooms | $2,160 | $1,944 – $2,376 | $2,445 | $2,190 |
| 4 bedrooms | $2,480 | $2,232 – $2,728 | $2,856 | $2,530 |
A household renting a two-bedroom home at the Small Area FMR of $1,670 needs about $66,800 a year to keep housing costs at 30% of income. The area median family income is $97,600 and the 80% low-income limit for four people is $91,900. ZIP code 32709 lies mainly in Orange County. See the Orlando-Kissimmee-Sanford, 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 32709?
HUD's FY2027 Small Area Fair Market Rents for 32709 are $1,320 (studio), $1,450 (1 BR), $1,670 (2 BR), $2,160 (3 BR) and $2,480 (4 BR) a month.
What is the Section 8 payment standard in 32709?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 32709 that range is $1,503 to $1,837 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 32709?
The FY2026 income limits of the Orlando-Kissimmee-Sanford, FL area apply: median family income $97,600, low-income (80%) limit $91,900 for a family of four.