HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Putnam County, Florida (FY 2026)
$1,155 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Putnam County, and it's the baseline every voucher in Putnam is measured against.
2 bedroom FMR
$1,155
FY 2026, utilities included
Payment standard range
$1,040 to $1,271
90% to 110% of FMR
Income to afford 2BR
$46,200
per year, at 30% of income
Rank in Florida
54th of 67
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Putnam moves to $1,040. That's down 10%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Putnam actually rent for?
Search any address in Putnam for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $874 | $787 to $961 | $34,960 | $16.81/hr | +15.9% |
| 1 bedroom | $880 | $792 to $968 | $35,200 | $16.92/hr | +15.9% |
| 2 bedroom | $1,155 | $1,040 to $1,271 | $46,200 | $22.21/hr | +16.0% |
| 3 bedroom | $1,452 | $1,307 to $1,597 | $58,080 | $27.92/hr | +15.0% |
| 4 bedroom | $1,529 | $1,376 to $1,682 | $61,160 | $29.40/hr | +15.7% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $1,758 | $1,582 to $1,934 |
| 6 bedroom Estimate | $1,988 | $1,789 to $2,187 |
| 7 bedroom Estimate | $2,217 | $1,995 to $2,439 |
| 8 bedroom Estimate | $2,446 | $2,201 to $2,691 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Putnam, that runs from $874 for a studio up to $1,529 for four bedrooms, all five rates in the table above.
Because Putnam sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Interlachen included.
Among Florida's 67 counties, Putnam ranks 54th for two-bedroom FMR. That's about 21% below the state median of $1,471 and about 13% above the national median county at $1,018. About 73,604 people live here, 40th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $970 in 32148 (Interlachen) and $1,570 in 32131 (East Palatka), with the 15 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 32007 | Bostwick | $1,160 | +0.4% |
| 32112 | Crescent City | $1,550 | +34.2% |
| 32131 | East Palatka | $1,570 | +35.9% |
| 32138 | Grandin | $1,155County rate | — |
| 32139 | Georgetown | $1,040 | -10.0% |
| 32140 | Florahome | $1,380 | +19.5% |
| 32147 | Hollister | $1,130 | -2.2% |
| 32148 | Interlachen | $970 | -16.0% |
| 32149 | Interlachen | $1,155County rate | — |
| 32157 | Lake Como | $1,280 | +10.8% |
| 32177 | Palatka | $1,200 | +3.9% |
| 32178 | Palatka | $1,160 | +0.4% |
| 32181 | Pomona Park | $1,080 | -6.5% |
| 32185 | Putnam Hall | $1,155County rate | — |
| 32187 | San Mateo | $1,140 | -1.3% |
| 32189 | Satsuma | $1,000 | -13.4% |
| 32193 | Welaka | $1,220 | +5.6% |
| 32666 | Melrose | $1,100 | -4.8% |
| 33112 | Miami | $1,155County rate | — |
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Putnam somewhere between $1,040 and $1,271. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,155 a month is affordable, by HUD's 30% rule, on an income of roughly $46,200 a year. Put another way, $22 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($1,040) | HAP at 100% ($1,155) | HAP at 110% ($1,271) |
|---|---|---|---|---|
| $2,500 | $750 | $290 | $405 | $521 |
| $4,000 | $1,200 | $0 | $0 | $71 |
Rate history
The two-bedroom rate went up 16% from FY 2025 ($996) to FY 2026 ($1,155). Since FY 2020 it's up 59% in total, about 8.0% a year. The Florida median moved up 3% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $620 | $638 | $726 | $967 | $983 | — |
| FY 2021 | $623 | $627 | $765 | $997 | $1,037 | +5.4% |
| FY 2022 | $581 | $585 | $770 | $987 | $1,095 | +0.7% |
| FY 2023 | $623 | $628 | $826 | $1,059 | $1,161 | +7.3% |
| FY 2024 | $689 | $693 | $911 | $1,172 | $1,213 | +10.3% |
| FY 2025 | $754 | $759 | $996 | $1,263 | $1,321 | +9.3% |
| FY 2026 | $874 | $880 | $1,155 | $1,452 | $1,529 | +16.0% |
| FY 2027 | $787 | $792 | $1,040 | $1,307 | $1,377 | -10.0% |
Nearby counties
Flagler County
$1,80626 mi · pop 117,515
Marion County
$1,37332 mi · pop 378,225
Volusia County
$1,70039 mi · pop 558,520
St. Johns County
$1,65840 mi · pop 278,722
Clay County
$1,65844 mi · pop 219,650
Lake County
$1,97244 mi · pop 386,829
Alachua County
$1,49345 mi · pop 279,729
Bradford County
$1,12048 mi · pop 27,816
Questions people ask
$1,155 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $874 for a studio, $880 for one bedroom, $1,452 for three and $1,529 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in Putnam actually go for?
HUD's number is one input. Search any address in Putnam for a rent estimate built from nearby comps. 3 free searches, no card.
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