FY2027 Small Area FMR · Naples, FL
ZIP 34114 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34114 (Naples, FL) is $2,320 a month, up 4.0% from FY2026. That is 14% above the Naples-Marco Island, FL area-wide FMR of $2,036.
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 34114 sits in the Naples-Marco Island, FL area
Of the 28 ZIP codes HUD lists for the area, 34114 has the 4th 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 $2,320 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,620 | $1,458 – $1,782 | $1,418 | $1,570 |
| 1 bedroom | $2,130 | $1,917 – $2,343 | $1,870 | $2,020 |
| 2 bedrooms | $2,320 | $2,088 – $2,552 | $2,036 | $2,230 |
| 3 bedrooms | $2,940 | $2,646 – $3,234 | $2,584 | $2,900 |
| 4 bedrooms | $3,210 | $2,889 – $3,531 | $2,815 | $3,150 |
A household renting a two-bedroom home at the Small Area FMR of $2,320 needs about $92,800 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 34114 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
Questions
What is the Fair Market Rent for ZIP code 34114?
HUD's FY2027 Small Area Fair Market Rents for 34114 are $1,620 (studio), $2,130 (1 BR), $2,320 (2 BR), $2,940 (3 BR) and $3,210 (4 BR) a month.
What is the Section 8 payment standard in 34114?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34114 that range is $2,088 to $2,552 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 34114?
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.