FY2027 Small Area FMR · Marco Island, FL

ZIP 34145 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34145 (Marco Island, FL) is $2,300 a month, down 1.7% from FY2026. That is 13% above the Naples-Marco Island, FL area-wide FMR of $2,036.

2-bedroom SAFMR$2,300per month ▼ 1.7%

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

Rank in the area5thof 28 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,070

2 BR Small Area FMR$2,300

110% of SAFMR$2,530

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

Studio$1,600▼ 2.4%

1 BR$2,110▼ 0.5%

2 BR$2,300▼ 1.7%

3 BR$2,920▼ 3.9%

4 BR$3,180▼ 3.9%

FY2027 FY2026

Where 34145 sits in the Naples-Marco Island, FL area

Of the 28 ZIP codes HUD lists for the area, 34145 has the 5th 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 $2,300 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	$1,600	$1,440 – $1,760	$1,418	$1,640
1 bedroom	$2,110	$1,899 – $2,321	$1,870	$2,120
2 bedrooms	$2,300	$2,070 – $2,530	$2,036	$2,340
3 bedrooms	$2,920	$2,628 – $3,212	$2,584	$3,040
4 bedrooms	$3,180	$2,862 – $3,498	$2,815	$3,310

A household renting a two-bedroom home at the Small Area FMR of $2,300 needs about $92,000 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 34145 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
34140	Goodland	1.7 mi	$2,300
34114	Naples	8.7 mi	$2,320
34113	Naples	10.3 mi	$2,170
34101	Naples	10.9 mi	$2,040
34112	Naples	15.5 mi	$1,840
34104	Naples	17.5 mi	$2,010

Questions

What is the Fair Market Rent for ZIP code 34145?

HUD's FY2027 Small Area Fair Market Rents for 34145 are $1,600 (studio), $2,110 (1 BR), $2,300 (2 BR), $2,920 (3 BR) and $3,180 (4 BR) a month.

What is the Section 8 payment standard in 34145?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34145 that range is $2,070 to $2,530 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 34145?

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.