FY2027 Small Area FMR · Naples, FL

ZIP 34104 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34104 (Naples, FL) is $2,010 a month, up 1.5% from FY2026. That is 1% below the Naples-Marco Island, FL area-wide FMR of $2,036.

2-bedroom SAFMR$2,010per month ▲ 1.5%

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

Rank in the area21stof 28 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,809

2 BR Small Area FMR$2,010

110% of SAFMR$2,211

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

Studio$1,400▲ 0.7%

1 BR$1,850▲ 3.4%

2 BR$2,010▲ 1.5%

3 BR$2,550▼ 0.8%

4 BR$2,780▼ 0.7%

FY2027 FY2026

Where 34104 sits in the Naples-Marco Island, FL area

Of the 28 ZIP codes HUD lists for the area, 34104 has the 21st 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 $2,010 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	$1,400	$1,260 – $1,540	$1,418	$1,390
1 bedroom	$1,850	$1,665 – $2,035	$1,870	$1,790
2 bedrooms	$2,010	$1,809 – $2,211	$2,036	$1,980
3 bedrooms	$2,550	$2,295 – $2,805	$2,584	$2,570
4 bedrooms	$2,780	$2,502 – $3,058	$2,815	$2,800

A household renting a two-bedroom home at the Small Area FMR of $2,010 needs about $80,400 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 34104 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
34112	Naples	2.0 mi	$1,840
34105	Naples	3.1 mi	$2,260
34116	Naples	3.3 mi	$1,940
34102	Naples	3.7 mi	$1,850
34103	Naples	5.0 mi	$2,340
34109	Naples	6.4 mi	$2,180

Questions

What is the Fair Market Rent for ZIP code 34104?

HUD's FY2027 Small Area Fair Market Rents for 34104 are $1,400 (studio), $1,850 (1 BR), $2,010 (2 BR), $2,550 (3 BR) and $2,780 (4 BR) a month.

What is the Section 8 payment standard in 34104?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34104 that range is $1,809 to $2,211 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 34104?

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.