FY2027 Small Area FMR · Naples, FL

ZIP 34102 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34102 (Naples, FL) is $1,850 a month, up 2.2% from FY2026. That is 9% below the Naples-Marco Island, FL area-wide FMR of $2,036.

2-bedroom SAFMR$1,850per month ▲ 2.2%

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

Rank in the area26thof 28 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,665

2 BR Small Area FMR$1,850

110% of SAFMR$2,035

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

Studio$1,290▲ 1.6%

1 BR$1,700▲ 3.7%

2 BR$1,850▲ 2.2%

3 BR$2,350■ 0.0%

4 BR$2,560■ 0.0%

FY2027 FY2026

Where 34102 sits in the Naples-Marco Island, FL area

Of the 28 ZIP codes HUD lists for the area, 34102 has the 26th 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 $1,850 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	$1,290	$1,161 – $1,419	$1,418	$1,270
1 bedroom	$1,700	$1,530 – $1,870	$1,870	$1,640
2 bedrooms	$1,850	$1,665 – $2,035	$2,036	$1,810
3 bedrooms	$2,350	$2,115 – $2,585	$2,584	$2,350
4 bedrooms	$2,560	$2,304 – $2,816	$2,815	$2,560

A household renting a two-bedroom home at the Small Area FMR of $1,850 needs about $74,000 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 34102 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
34104	Naples	3.7 mi	$2,010
34112	Naples	3.7 mi	$1,840
34103	Naples	3.9 mi	$2,340
34105	Naples	4.2 mi	$2,260
34116	Naples	6.5 mi	$1,940
34101	Naples	6.9 mi	$2,040

Questions

What is the Fair Market Rent for ZIP code 34102?

HUD's FY2027 Small Area Fair Market Rents for 34102 are $1,290 (studio), $1,700 (1 BR), $1,850 (2 BR), $2,350 (3 BR) and $2,560 (4 BR) a month.

What is the Section 8 payment standard in 34102?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34102 that range is $1,665 to $2,035 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 34102?

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.