FY2027 Small Area FMR · Lakeland, FL
ZIP 33809 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 33809 (Lakeland, FL) is $1,820 a month, up 7.1% from FY2026. That is 13% above the Lakeland-Winter Haven, FL area-wide FMR of $1,608.
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 33809 sits in the Lakeland-Winter Haven, FL area
Of the 58 ZIP codes HUD lists for the area, 33809 has the 14th highest two-bedroom Small Area FMR. Lakeland-Winter Haven, 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 $1,608 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,820 for this ZIP code instead.
ZIP code 33809 crosses more than one HUD area. HUD also lists it under Tampa-St. Petersburg-Clearwater, 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 | $1,420 | $1,278 – $1,562 | $1,258 | $1,390 |
| 1 bedroom | $1,510 | $1,359 – $1,661 | $1,338 | $1,400 |
| 2 bedrooms | $1,820 | $1,638 – $2,002 | $1,608 | $1,700 |
| 3 bedrooms | $2,500 | $2,250 – $2,750 | $2,212 | $2,300 |
| 4 bedrooms | $3,040 | $2,736 – $3,344 | $2,688 | $2,850 |
A household renting a two-bedroom home at the Small Area FMR of $1,820 needs about $72,800 a year to keep housing costs at 30% of income. The area median family income is $83,900 and the 80% low-income limit for four people is $69,850. ZIP code 33809 lies mainly in Polk County and Pasco County. See the Lakeland-Winter Haven, FL county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 33809?
HUD's FY2027 Small Area Fair Market Rents for 33809 are $1,420 (studio), $1,510 (1 BR), $1,820 (2 BR), $2,500 (3 BR) and $3,040 (4 BR) a month.
What is the Section 8 payment standard in 33809?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 33809 that range is $1,638 to $2,002 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 33809?
The FY2026 income limits of the Lakeland-Winter Haven, FL area apply: median family income $83,900, low-income (80%) limit $69,850 for a family of four.