FY2027 Small Area FMR · Naples, FL

ZIP 34105 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34105 (Naples, FL) is $2,260 a month, down 2.6% from FY2026. That is 11% above the Naples-Marco Island, FL area-wide FMR of $2,036.

2-bedroom SAFMR$2,260per month ▼ 2.6%

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

Rank in the area8thof 28 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,034

2 BR Small Area FMR$2,260

110% of SAFMR$2,486

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

Studio$1,570▼ 3.7%

1 BR$2,080▼ 1.0%

2 BR$2,260▼ 2.6%

3 BR$2,870▼ 5.0%

4 BR$3,120▼ 4.9%

FY2027 FY2026

Where 34105 sits in the Naples-Marco Island, FL area

Of the 28 ZIP codes HUD lists for the area, 34105 has the 8th 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 $2,260 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	$1,570	$1,413 – $1,727	$1,418	$1,630
1 bedroom	$2,080	$1,872 – $2,288	$1,870	$2,100
2 bedrooms	$2,260	$2,034 – $2,486	$2,036	$2,320
3 bedrooms	$2,870	$2,583 – $3,157	$2,584	$3,020
4 bedrooms	$3,120	$2,808 – $3,432	$2,815	$3,280

A household renting a two-bedroom home at the Small Area FMR of $2,260 needs about $90,400 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 34105 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
34103	Naples	2.6 mi	$2,340
34104	Naples	3.1 mi	$2,010
34116	Naples	3.3 mi	$1,940
34109	Naples	3.5 mi	$2,180
34102	Naples	4.2 mi	$1,850
34108	Naples	4.7 mi	$2,470

Questions

What is the Fair Market Rent for ZIP code 34105?

HUD's FY2027 Small Area Fair Market Rents for 34105 are $1,570 (studio), $2,080 (1 BR), $2,260 (2 BR), $2,870 (3 BR) and $3,120 (4 BR) a month.

What is the Section 8 payment standard in 34105?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34105 that range is $2,034 to $2,486 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 34105?

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.