FY2027 Small Area FMR · Naples, FL

ZIP 34101 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34101 (Naples, FL) is $2,040 a month, up 2.5% from FY2026. That is 0% equal to the Naples-Marco Island, FL area-wide FMR of $2,036.

2-bedroom SAFMR$2,040per month ▲ 2.5%

Area-wide 2 BR FMR$2,036Naples-Marco Island, FL

Rank in the area17thof 28 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,836

2 BR Small Area FMR$2,040

110% of SAFMR$2,244

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

Studio$1,420▲ 1.4%

1 BR$1,870▲ 3.9%

2 BR$2,040▲ 2.5%

3 BR$2,590■ 0.0%

4 BR$2,820▲ 0.4%

FY2027 FY2026

Where 34101 sits in the Naples-Marco Island, FL area

Of the 28 ZIP codes HUD lists for the area, 34101 has the 17th highest two-bedroom Small Area FMR. Naples-Marco Island, 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 $2,036 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,040 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	$1,420	$1,278 – $1,562	$1,418	$1,400
1 bedroom	$1,870	$1,683 – $2,057	$1,870	$1,800
2 bedrooms	$2,040	$1,836 – $2,244	$2,036	$1,990
3 bedrooms	$2,590	$2,331 – $2,849	$2,584	$2,590
4 bedrooms	$2,820	$2,538 – $3,102	$2,815	$2,810

A household renting a two-bedroom home at the Small Area FMR of $2,040 needs about $81,600 a year to keep housing costs at 30% of income. The area median family income is $121,000 and the 80% low-income limit for four people is $96,800. ZIP code 34101 lies mainly in Collier County. See the Naples-Marco Island, FL county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
34113	Naples	1.6 mi	$2,170
34112	Naples	5.4 mi	$1,840
34102	Naples	6.9 mi	$1,850
34104	Naples	7.4 mi	$2,010
34105	Naples	10.1 mi	$2,260
34140	Goodland	10.1 mi	$2,300

Questions

What is the Fair Market Rent for ZIP code 34101?

HUD's FY2027 Small Area Fair Market Rents for 34101 are $1,420 (studio), $1,870 (1 BR), $2,040 (2 BR), $2,590 (3 BR) and $2,820 (4 BR) a month.

What is the Section 8 payment standard in 34101?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34101 that range is $1,836 to $2,244 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 34101?

The FY2026 income limits of the Naples-Marco Island, FL area apply: median family income $121,000, low-income (80%) limit $96,800 for a family of four.