HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Suwannee County, Florida (FY 2026)
A two-bedroom in Suwannee County carries a FY 2026 Fair Market Rent of $1,110 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Suwannee keys off that figure.
2 bedroom FMR
$1,110
FY 2026, utilities included
Payment standard range
$999 to $1,221
90% to 110% of FMR
Income to afford 2BR
$44,400
per year, at 30% of income
Rank in Florida
57th of 67
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Suwannee moves to $999. 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 Suwannee actually rent for?
Search any address in Suwannee 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 | $967 | $870 to $1,064 | $38,680 | $18.60/hr | +20.1% |
| 1 bedroom | $1,013 | $912 to $1,114 | $40,520 | $19.48/hr | +25.1% |
| 2 bedroom | $1,110 | $999 to $1,221 | $44,400 | $21.35/hr | +19.0% |
| 3 bedroom | $1,484 | $1,336 to $1,632 | $59,360 | $28.54/hr | +26.0% |
| 4 bedroom | $1,573 | $1,416 to $1,730 | $62,920 | $30.25/hr | +17.3% |
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 | $1,809 | $1,628 to $1,990 |
| 6 bedroom Estimate | $2,045 | $1,841 to $2,250 |
| 7 bedroom Estimate | $2,281 | $2,053 to $2,509 |
| 8 bedroom Estimate | $2,517 | $2,265 to $2,769 |
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 Suwannee, that runs from $967 for a studio up to $1,573 for four bedrooms, all five rates in the table above.
Because Suwannee 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, Live Oak included.
Among Florida's 67 counties, Suwannee ranks 57th for two-bedroom FMR. That's about 25% below the state median of $1,471 and about 9% above the national median county at $1,018. About 43,881 people live here, 43rd in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,040 in 32060 (Live Oak) and $1,430 in 32008 (Branford), with the 6 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.
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 Suwannee somewhere between $999 and $1,221. 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.
$1,110 a month is affordable, by HUD's 30% rule, on an income of roughly $44,400 a year. Put another way, $21 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% ($999) | HAP at 100% ($1,110) | HAP at 110% ($1,221) |
|---|---|---|---|---|
| $2,500 | $750 | $249 | $360 | $471 |
| $4,000 | $1,200 | $0 | $0 | $21 |
Rate history
The two-bedroom rate went up 19% from FY 2025 ($933) to FY 2026 ($1,110). Since FY 2020 it's up 55% in total, about 7.6% 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 | $609 | $627 | $714 | $1,030 | $1,245 | — |
| FY 2021 | $629 | $644 | $734 | $1,027 | $1,191 | +2.8% |
| FY 2022 | $653 | $664 | $757 | $987 | $1,115 | +3.1% |
| FY 2023 | $720 | $724 | $843 | $1,028 | $1,156 | +11.4% |
| FY 2024 | $708 | $713 | $916 | $1,108 | $1,223 | +8.7% |
| FY 2025 | $805 | $810 | $933 | $1,178 | $1,341 | +1.9% |
| FY 2026 | $967 | $1,013 | $1,110 | $1,484 | $1,573 | +19.0% |
| FY 2027 | $871 | $912 | $999 | $1,336 | $1,416 | -10.0% |
Nearby counties
Lafayette County
$1,32316 mi · pop 8,107
Columbia County
$1,31818 mi · pop 69,832
Hamilton County
$98123 mi · pop 13,492
Gilchrist County
$1,49330 mi · pop 18,070
Jefferson County
$1,35233 mi · pop 14,458
Madison County
$1,08637 mi · pop 17,986
Taylor County
$1,01837 mi · pop 21,421
Union County
$1,13239 mi · pop 15,524
Questions people ask
$1,110 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $967 for a studio, $1,013 for one bedroom, $1,484 for three and $1,573 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 Suwannee actually go for?
HUD's number is one input. Search any address in Suwannee for a rent estimate built from nearby comps. 3 free searches, no card.
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