Florida · FIPS 12045 · HUD FY 2027
Gulf County, Florida Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Gulf County is $1,532 a month (rent plus utilities), 22% below the Florida average of $1,962 and 13% below the U.S. average of $1,761. That is down $170 (10.0%) from FY 2026. At 30% of income, a household needs about $61,280 a year to afford it.
- $1,5322-bedroom FMR−$170 (−10.0%) vs FY 2026
- $1,1681-bedroom FMRFlorida: $1,665 · U.S.: $1,478
- $61,280Income for a 2-bedroom$29/hour full-time
- 33 of 672BR rank in Florida1 = highest rent
| Unit | Gulf County FY 2027 | FY 2026 | Change | Florida avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $1,161 | $1,289 | −$128 (−9.9%) | $1,566 | $1,379 | $46,440 |
| 1 bedroom | $1,168 | $1,297 | −$129 (−9.9%) | $1,665 | $1,478 | $46,720 |
| 2 bedrooms | $1,532 | $1,702 | −$170 (−10.0%) | $1,962 | $1,761 | $61,280 |
| 3 bedrooms | $1,837 | $2,041 | −$204 (−10.0%) | $2,532 | $2,266 | $73,480 |
| 4 bedrooms | $2,028 | $2,253 | −$225 (−10.0%) | $2,947 | $2,607 | $81,120 |
How Gulf County compares
- Gulf County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across Florida, 2-bedroom FMRs run from $953 (Taylor County) to $2,564 (Miami-Dade County).
- Studio to 4-bedroom: $1,161, $1,168, $1,532, $1,837, $2,028. HUD derives the other sizes from the 2-bedroom figure with fixed ratios, adjusted where local data warrant.
- HUD also publishes ZIP-level Small Area FMRs. For the 2 ZIP codes mostly in Gulf County (by land area), the 2-bedroom figure ranges from $1,540 to $1,720.
Small Area FMRs by ZIP code in Gulf County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 32456 | $1,320 | $1,340 | $1,720 | $2,070 | $2,430 | −$190 (−9.9%) | 12% above |
| 32465 | $1,290 | $1,340 | $1,540 | $1,960 | $2,430 | +$90 (+6.2%) | 1% above |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
- ZIP-to-county assignment: Census Bureau 2020 ZCTA-to-county relationship file (file dated December 9, 2021), largest land-area overlap.
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.