FY2027 Small Area FMR · Naples, FL

ZIP 34109 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34109 (Naples, FL) is $2,180 a month, up 3.8% from FY2026. That is 7% above the Naples-Marco Island, FL area-wide FMR of $2,036.

2-bedroom SAFMR$2,180per month ▲ 3.8%

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

Rank in the area12thof 28 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,962

2 BR Small Area FMR$2,180

110% of SAFMR$2,398

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

Studio$1,520▲ 2.7%

1 BR$2,000▲ 5.3%

2 BR$2,180▲ 3.8%

3 BR$2,770▲ 1.5%

4 BR$3,010▲ 1.3%

FY2027 FY2026

Where 34109 sits in the Naples-Marco Island, FL area

Of the 28 ZIP codes HUD lists for the area, 34109 has the 12th 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 $2,180 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	$1,520	$1,368 – $1,672	$1,418	$1,480
1 bedroom	$2,000	$1,800 – $2,200	$1,870	$1,900
2 bedrooms	$2,180	$1,962 – $2,398	$2,036	$2,100
3 bedrooms	$2,770	$2,493 – $3,047	$2,584	$2,730
4 bedrooms	$3,010	$2,709 – $3,311	$2,815	$2,970

A household renting a two-bedroom home at the Small Area FMR of $2,180 needs about $87,200 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 34109 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
34108	Naples	2.8 mi	$2,470
34105	Naples	3.5 mi	$2,260
34119	Naples	3.7 mi	$2,250
34103	Naples	4.2 mi	$2,340
34110	Naples	4.6 mi	$2,220
34116	Naples	4.8 mi	$1,940

Questions

What is the Fair Market Rent for ZIP code 34109?

HUD's FY2027 Small Area Fair Market Rents for 34109 are $1,520 (studio), $2,000 (1 BR), $2,180 (2 BR), $2,770 (3 BR) and $3,010 (4 BR) a month.

What is the Section 8 payment standard in 34109?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34109 that range is $1,962 to $2,398 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 34109?

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.