FY2027 Small Area FMR · Naples, FL
ZIP 34110 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34110 (Naples, FL) is $2,220 a month, down 0.4% from FY2026. That is 21% above the Cape Coral-Fort Myers, FL area-wide FMR of $1,835.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 34110 sits in the Cape Coral-Fort Myers, FL area
Of the 50 ZIP codes HUD lists for the area, 34110 has the 6th highest two-bedroom Small Area FMR. Cape Coral-Fort Myers, 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 $1,835 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,220 for this ZIP code instead.
ZIP code 34110 crosses more than one HUD area. HUD also lists it under Naples-Marco Island, FL (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,550 | $1,395 – $1,705 | $1,555 | $1,570 |
| 1 bedroom | $2,040 | $1,836 – $2,244 | $1,564 | $2,020 |
| 2 bedrooms | $2,220 | $1,998 – $2,442 | $1,835 | $2,230 |
| 3 bedrooms | $2,820 | $2,538 – $3,102 | $2,373 | $2,900 |
| 4 bedrooms | $3,070 | $2,763 – $3,377 | $2,615 | $3,160 |
A household renting a two-bedroom home at the Small Area FMR of $2,220 needs about $88,800 a year to keep housing costs at 30% of income. The area median family income is $105,700 and the 80% low-income limit for four people is $89,900. ZIP code 34110 lies mainly in Collier County and Lee County. See the Cape Coral-Fort Myers, FL county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 34110?
HUD's FY2027 Small Area Fair Market Rents for 34110 are $1,550 (studio), $2,040 (1 BR), $2,220 (2 BR), $2,820 (3 BR) and $3,070 (4 BR) a month.
What is the Section 8 payment standard in 34110?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34110 that range is $1,998 to $2,442 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 34110?
The FY2026 income limits of the Cape Coral-Fort Myers, FL area apply: median family income $105,700, low-income (80%) limit $89,900 for a family of four.