FY2027 Small Area FMR · Naples, FL

ZIP 34112 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34112 (Naples, FL) is $1,840 a month, up 6.4% from FY2026. That is 10% below the Naples-Marco Island, FL area-wide FMR of $2,036.

2-bedroom SAFMR$1,840per month ▲ 6.4%

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

Rank in the area27thof 28 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,656

2 BR Small Area FMR$1,840

110% of SAFMR$2,024

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

Studio$1,280▲ 4.1%

1 BR$1,690▲ 7.6%

2 BR$1,840▲ 6.4%

3 BR$2,340▲ 4.0%

4 BR$2,540▲ 4.1%

FY2027 FY2026

Where 34112 sits in the Naples-Marco Island, FL area

Of the 28 ZIP codes HUD lists for the area, 34112 has the 27th 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 $1,840 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	$1,280	$1,152 – $1,408	$1,418	$1,230
1 bedroom	$1,690	$1,521 – $1,859	$1,870	$1,570
2 bedrooms	$1,840	$1,656 – $2,024	$2,036	$1,730
3 bedrooms	$2,340	$2,106 – $2,574	$2,584	$2,250
4 bedrooms	$2,540	$2,286 – $2,794	$2,815	$2,440

A household renting a two-bedroom home at the Small Area FMR of $1,840 needs about $73,600 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 34112 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
34104	Naples	2.0 mi	$2,010
34102	Naples	3.7 mi	$1,850
34105	Naples	5.0 mi	$2,260
34116	Naples	5.1 mi	$1,940
34113	Naples	5.3 mi	$2,170
34101	Naples	5.4 mi	$2,040

Questions

What is the Fair Market Rent for ZIP code 34112?

HUD's FY2027 Small Area Fair Market Rents for 34112 are $1,280 (studio), $1,690 (1 BR), $1,840 (2 BR), $2,340 (3 BR) and $2,540 (4 BR) a month.

What is the Section 8 payment standard in 34112?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34112 that range is $1,656 to $2,024 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 34112?

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.