FY2027 Small Area FMR · Naples, FL

ZIP 34119 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34119 (Naples, FL) is $2,250 a month, up 6.1% from FY2026. That is 23% above the Cape Coral-Fort Myers, FL area-wide FMR of $1,835.

2-bedroom SAFMR$2,250per month ▲ 6.1%

Area-wide 2 BR FMR$1,835Cape Coral-Fort Myers, FL

Rank in the area5thof 50 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,025

2 BR Small Area FMR$2,250

110% of SAFMR$2,475

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

Studio$1,570▲ 5.4%

1 BR$2,070▲ 7.8%

2 BR$2,250▲ 6.1%

3 BR$2,860▲ 3.6%

4 BR$3,110▲ 3.7%

FY2027 FY2026

Where 34119 sits in the Cape Coral-Fort Myers, FL area

Of the 50 ZIP codes HUD lists for the area, 34119 has the 5th 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 $2,250 for this ZIP code instead.

ZIP code 34119 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

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,570	$1,413 – $1,727	$1,555	$1,490
1 bedroom	$2,070	$1,863 – $2,277	$1,564	$1,920
2 bedrooms	$2,250	$2,025 – $2,475	$1,835	$2,120
3 bedrooms	$2,860	$2,574 – $3,146	$2,373	$2,760
4 bedrooms	$3,110	$2,799 – $3,421	$2,615	$3,000

A household renting a two-bedroom home at the Small Area FMR of $2,250 needs about $90,000 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 34119 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

ZIP	Place	Distance	2 BR SAFMR
34109	Naples	3.7 mi	$2,180
34110	Naples	5.2 mi	$2,220
34116	Naples	5.5 mi	$1,940
34108	Naples	6.1 mi	$2,470
34105	Naples	6.3 mi	$2,260
34135	Bonita Springs	6.5 mi	$2,060

Questions

What is the Fair Market Rent for ZIP code 34119?

HUD's FY2027 Small Area Fair Market Rents for 34119 are $1,570 (studio), $2,070 (1 BR), $2,250 (2 BR), $2,860 (3 BR) and $3,110 (4 BR) a month.

What is the Section 8 payment standard in 34119?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34119 that range is $2,025 to $2,475 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 34119?

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.