FY2027 Small Area FMR · Windermere, FL

ZIP 34786 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 34786 (Windermere, FL) is $2,690 a month, down 2.5% from FY2026. That is 37% above the Orlando-Kissimmee-Sanford, FL area-wide FMR of $1,959.

2-bedroom SAFMR$2,690per month ▼ 2.5%

Area-wide 2 BR FMR$1,959Orlando-Kissimmee-Sanford, F

Rank in the area1stof 154 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,421

2 BR Small Area FMR$2,690

110% of SAFMR$2,959

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

Studio$2,280▼ 1.3%

1 BR$2,370▼ 2.1%

2 BR$2,690▼ 2.5%

3 BR$3,360▼ 2.9%

4 BR$3,920▼ 4.2%

FY2027 FY2026

Where 34786 sits in the Orlando-Kissimmee-Sanford, FL area

Of the 154 ZIP codes HUD lists for the area, 34786 has the 1st highest two-bedroom Small Area FMR. Orlando-Kissimmee-Sanford, FL is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2023), so local housing agencies must set payment standards from this ZIP code's figure, normally between $2,421 and $2,959 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$2,280	$2,052 – $2,508	$1,658	$2,310
1 bedroom	$2,370	$2,133 – $2,607	$1,726	$2,420
2 bedrooms	$2,690	$2,421 – $2,959	$1,959	$2,760
3 bedrooms	$3,360	$3,024 – $3,696	$2,445	$3,460
4 bedrooms	$3,920	$3,528 – $4,312	$2,856	$4,090

A household renting a two-bedroom home at the Small Area FMR of $2,690 needs about $107,600 a year to keep housing costs at 30% of income. The area median family income is $97,600 and the 80% low-income limit for four people is $91,900. ZIP code 34786 lies mainly in Orange County. See the Orlando-Kissimmee-Sanford, FL metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
34734	Gotha	3.2 mi	$2,330
32835	Orlando	3.7 mi	$2,150
34787	Winter Garden	4.7 mi	$2,400
32819	Orlando	5.2 mi	$2,270
34761	Ocoee	5.7 mi	$2,140
32811	Orlando	6.0 mi	$1,970

Questions

What is the Fair Market Rent for ZIP code 34786?

HUD's FY2027 Small Area Fair Market Rents for 34786 are $2,280 (studio), $2,370 (1 BR), $2,690 (2 BR), $3,360 (3 BR) and $3,920 (4 BR) a month.

What is the Section 8 payment standard in 34786?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 34786 that range is $2,421 to $2,959 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 34786?

The FY2026 income limits of the Orlando-Kissimmee-Sanford, FL area apply: median family income $97,600, low-income (80%) limit $91,900 for a family of four.