FY2027 Small Area FMR · Naples, FL

ZIP 34103 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34103 (Naples, FL) is $2,340 a month, up 5.9% from FY2026. That is 15% above the Naples-Marco Island, FL area-wide FMR of $2,036.

2-bedroom SAFMR$2,340per month ▲ 5.9%

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

Rank in the area3rdof 28 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,106

2 BR Small Area FMR$2,340

110% of SAFMR$2,574

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

Studio$1,630▲ 5.2%

1 BR$2,150▲ 7.5%

2 BR$2,340▲ 5.9%

3 BR$2,970▲ 3.5%

4 BR$3,240▲ 3.8%

FY2027 FY2026

Where 34103 sits in the Naples-Marco Island, FL area

Of the 28 ZIP codes HUD lists for the area, 34103 has the 3rd 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 $2,340 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	$1,630	$1,467 – $1,793	$1,418	$1,550
1 bedroom	$2,150	$1,935 – $2,365	$1,870	$2,000
2 bedrooms	$2,340	$2,106 – $2,574	$2,036	$2,210
3 bedrooms	$2,970	$2,673 – $3,267	$2,584	$2,870
4 bedrooms	$3,240	$2,916 – $3,564	$2,815	$3,120

A household renting a two-bedroom home at the Small Area FMR of $2,340 needs about $93,600 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 34103 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
34105	Naples	2.6 mi	$2,260
34108	Naples	3.6 mi	$2,470
34102	Naples	3.9 mi	$1,850
34109	Naples	4.2 mi	$2,180
34104	Naples	5.0 mi	$2,010
34116	Naples	5.9 mi	$1,940

Questions

What is the Fair Market Rent for ZIP code 34103?

HUD's FY2027 Small Area Fair Market Rents for 34103 are $1,630 (studio), $2,150 (1 BR), $2,340 (2 BR), $2,970 (3 BR) and $3,240 (4 BR) a month.

What is the Section 8 payment standard in 34103?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34103 that range is $2,106 to $2,574 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 34103?

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.