FY2027 Small Area FMR · Punta Gorda, FL
ZIP 33982 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 33982 (Punta Gorda, FL) is $1,450 a month, up 9.8% from FY2026. That is 8% below the Punta Gorda, FL area-wide FMR of $1,575.
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 33982 sits in the Punta Gorda, FL area
Of the 20 ZIP codes HUD lists for the area, 33982 has the 16th highest two-bedroom Small Area FMR. Punta Gorda, 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 $1,575 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,450 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,050 | $945 – $1,155 | $1,097 | $1,040 |
| 1 bedroom | $1,110 | $999 – $1,221 | $1,204 | $1,050 |
| 2 bedrooms | $1,450 | $1,305 – $1,595 | $1,575 | $1,320 |
| 3 bedrooms | $1,970 | $1,773 – $2,167 | $2,137 | $1,850 |
| 4 bedrooms | $2,350 | $2,115 – $2,585 | $2,556 | $2,040 |
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 $97,500 and the 80% low-income limit for four people is $77,200. ZIP code 33982 lies mainly in Charlotte County. See the Punta Gorda, 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 33982?
HUD's FY2027 Small Area Fair Market Rents for 33982 are $1,050 (studio), $1,110 (1 BR), $1,450 (2 BR), $1,970 (3 BR) and $2,350 (4 BR) a month.
What is the Section 8 payment standard in 33982?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 33982 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 33982?
The FY2026 income limits of the Punta Gorda, FL area apply: median family income $97,500, low-income (80%) limit $77,200 for a family of four.