Florida · FIPS 12019 · HUD FY 2027
Clay County, Florida Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Clay County is $1,694 a month (rent plus utilities), 14% below the Florida average of $1,962 and 4% below the U.S. average of $1,761. That is up $36 (2.2%) from FY 2026. At 30% of income, a household needs about $67,760 a year to afford it.
- $1,6942-bedroom FMR+$36 (+2.2%) vs FY 2026
- $1,4211-bedroom FMRFlorida: $1,665 · U.S.: $1,478
- $67,760Income for a 2-bedroom$33/hour full-time
- 22 of 672BR rank in Florida1 = highest rent
| Unit | Clay County FY 2027 | FY 2026 | Change | Florida avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $1,401 | $1,355 | +$46 (+3.4%) | $1,566 | $1,379 | $56,040 |
| 1 bedroom | $1,421 | $1,382 | +$39 (+2.8%) | $1,665 | $1,478 | $56,840 |
| 2 bedrooms | $1,694 | $1,658 | +$36 (+2.2%) | $1,962 | $1,761 | $67,760 |
| 3 bedrooms | $2,077 | $2,043 | +$34 (+1.7%) | $2,532 | $2,266 | $83,080 |
| 4 bedrooms | $2,594 | $2,561 | +$33 (+1.3%) | $2,947 | $2,607 | $103,760 |
How Clay County compares
- HUD sets this rent for the Jacksonville, FL metro FMR area, which covers 1,655,530 residents in 4 counties.
- Across Florida, 2-bedroom FMRs run from $953 (Taylor County) to $2,564 (Miami-Dade County).
- Studio to 4-bedroom: $1,401, $1,421, $1,694, $2,077, $2,594. 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 7 ZIP codes mostly in Clay County (by land area), the 2-bedroom figure ranges from $1,230 to $2,260.
Small Area FMRs by ZIP code in Clay County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 32003 | $1,870 | $1,900 | $2,260 | $2,770 | $3,460 | −$50 (−2.2%) | 33% above |
| 32043 | $1,400 | $1,420 | $1,690 | $2,070 | $2,580 | +$60 (+3.7%) | about the same as |
| 32065 | $1,630 | $1,650 | $1,970 | $2,410 | $3,020 | +$40 (+2.1%) | 16% above |
| 32068 | $1,350 | $1,370 | $1,630 | $2,000 | $2,500 | −$40 (−2.4%) | 4% below |
| 32073 | $1,360 | $1,380 | $1,650 | $2,020 | $2,530 | +$10 (+0.6%) | 3% below |
| 32079 | $1,510 | $1,530 | $1,830 | $2,270 | $2,870 | −$180 (−9.0%) | 8% above |
| 32656 | $1,020 | $1,040 | $1,230 | $1,500 | $1,890 | no change | 27% 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.