Florida · FIPS 12107 · HUD FY 2027
Putnam County, Florida Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Putnam County is $1,040 a month (rent plus utilities), 47% below the Florida average of $1,962 and 41% below the U.S. average of $1,761. That is down $115 (10.0%) from FY 2026. At 30% of income, a household needs about $41,600 a year to afford it.
- $1,0402-bedroom FMR−$115 (−10.0%) vs FY 2026
- $7921-bedroom FMRFlorida: $1,665 · U.S.: $1,478
- $41,600Income for a 2-bedroom$20/hour full-time
- 55 of 672BR rank in Florida1 = highest rent
| Unit | Putnam County FY 2027 | FY 2026 | Change | Florida avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $787 | $874 | −$87 (−10.0%) | $1,566 | $1,379 | $31,480 |
| 1 bedroom | $792 | $880 | −$88 (−10.0%) | $1,665 | $1,478 | $31,680 |
| 2 bedrooms | $1,040 | $1,155 | −$115 (−10.0%) | $1,962 | $1,761 | $41,600 |
| 3 bedrooms | $1,307 | $1,452 | −$145 (−10.0%) | $2,532 | $2,266 | $52,280 |
| 4 bedrooms | $1,377 | $1,529 | −$152 (−9.9%) | $2,947 | $2,607 | $55,080 |
How Putnam County compares
- Putnam 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: $787, $792, $1,040, $1,307, $1,377. 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 13 ZIP codes mostly in Putnam County (by land area), the 2-bedroom figure ranges from $990 to $1,530.
Small Area FMRs by ZIP code in Putnam County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 32112 | $1,090 | $1,250 | $1,530 | $2,020 | $2,190 | −$20 (−1.3%) | 47% above |
| 32131 | $1,100 | $1,200 | $1,420 | $1,790 | $2,270 | −$150 (−9.6%) | 37% above |
| 32139 | $790 | $800 | $1,040 | $1,310 | $1,380 | no change | same |
| 32140 | $1,010 | $1,040 | $1,330 | $1,720 | $1,980 | −$50 (−3.6%) | 28% above |
| 32147 | $800 | $810 | $1,050 | $1,360 | $1,440 | −$80 (−7.1%) | 1% above |
| 32148 | $790 | $800 | $1,040 | $1,310 | $1,380 | +$70 (+7.2%) | same |
| 32157 | $880 | $890 | $1,160 | $1,450 | $1,530 | −$120 (−9.4%) | 12% above |
| 32177 | $830 | $830 | $1,090 | $1,410 | $1,480 | −$110 (−9.2%) | 5% above |
| 32181 | $790 | $800 | $1,040 | $1,310 | $1,380 | −$40 (−3.7%) | same |
| 32187 | $820 | $840 | $1,090 | $1,420 | $1,520 | −$50 (−4.4%) | 5% above |
| 32189 | $790 | $800 | $1,040 | $1,310 | $1,380 | +$40 (+4.0%) | same |
| 32193 | $840 | $840 | $1,100 | $1,420 | $1,500 | −$120 (−9.8%) | 6% above |
| 32666 | $780 | $810 | $990 | $1,260 | $1,440 | −$110 (−10.0%) | 5% below |
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.