Gilchrist County, FL: Fair Market Rent 2027 and Income Limits

Official HUD figures for landlords and renters, effective October 1, 2026 (rents) and May 1, 2026 (income limits).

$1,4712-bedroom FMR, FY2027

$1,2411-bedroom FMR, FY2027

$79,30080% income limit, family of 4 (FY2026)

$99,100Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Gilchrist County is $1,471 a month, down 1.5% from $1,493 in FY2026. Gilchrist County belongs to the Gainesville, FL HUD Metro FMR Area FMR area, so the same figures apply across that area. FMRs are gross rents: rent plus all tenant-paid utilities except phone, cable and internet.

Fair market rent in Gilchrist County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,197	$1,154	+3.7%	$1,078 – $1,316
1 bedroom	$1,241	$1,246	−0.4%	$1,117 – $1,365
2 bedrooms	$1,471	$1,493	−1.5%	$1,324 – $1,618
3 bedrooms	$1,806	$1,868	−3.3%	$1,626 – $1,986
4 bedrooms	$1,933	$1,977	−2.2%	$1,740 – $2,126

Source: HUD Fair Market Rents FY2027 (effective October 1, 2026) and FY2026 (revised file), details.

What can a landlord charge a Section 8 tenant here?

The FMR is not a cap on what you can ask on the open market. For a Housing Choice Voucher tenant, the local housing authority sets a payment standard, normally between 90% and 110% of the FMR (or of the ZIP-level Small Area FMR where those apply). For a two-bedroom unit in Gilchrist County that is typically $1,324 to $1,618 including utilities. You can charge more than the payment standard if the rent passes the housing authority's rent-reasonableness test and, at move-in, the tenant's share stays within 40% of their adjusted monthly income. Ask the housing authority for its current payment standard schedule.

Can local renters afford the fair market rent?

$40,620median income of renter households

$926Median gross rent, all units

27%Rent-to-income ratio (median rent ÷ median renter income)

38%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $40,620 can afford about $1,016 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,471 is $456 (44.9%) more than that. To rent a two-bedroom at the FMR, a household needs $58,840 a year under the 30% rule, or $52,956 under the common landlord rule that income must be three times the rent.

Gilchrist County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$926 ±$47
Median income of renter households	$40,620 ±$5,952
Renters paying 30% or more of income (cost-burdened)	38.0% ±8.2
Renters paying 50% or more (severely cost-burdened)	17.6% ±9.6
Renter households (where the share can be computed)	772

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$645	$926	+43.6%
Median renter household income	$24,196	$40,620	+67.9%
Renters paying 30%+ of income	43.7%	38.0%	−5.7 pts

Rent-to-income calculator: does an applicant qualify? → · Most affordable counties to rent in this state →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates 2020–2024 and 2015–2019 (tables B25064, B25119, B25070). ± = margin of error at 90% confidence. Dollar figures are not adjusted for inflation.

Small Area FMRs by ZIP code (FY2027)

In metro areas HUD also publishes ZIP-level Small Area Fair Market Rents. Housing authorities in designated areas must use them for voucher payment standards; others may opt in. Here the two-bedroom SAFMR ranges from $990 to $1,870 depending on the ZIP code.

All 35 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
32008	$1,040	$1,130	$1,350	$1,690	$1,780
32044	$1,230	$1,280	$1,400	$1,740	$2,320
32601	$1,120	$1,160	$1,380	$1,690	$1,810
32603	$1,110	$1,160	$1,370	$1,690	$1,800
32604	$1,200	$1,250	$1,480	$1,820	$1,950
32605	$1,430	$1,490	$1,760	$2,160	$2,310
32606	$1,520	$1,580	$1,870	$2,300	$2,460
32607	$1,240	$1,280	$1,520	$1,870	$2,000
32608	$1,330	$1,380	$1,640	$2,010	$2,160
32609	$1,180	$1,220	$1,450	$1,780	$1,910
32610	$1,210	$1,260	$1,490	$1,830	$1,970
32611	$1,200	$1,250	$1,480	$1,820	$1,950
32612	$1,190	$1,240	$1,460	$1,800	$1,930
32614	$1,200	$1,250	$1,480	$1,820	$1,950
32615	$1,140	$1,180	$1,400	$1,720	$1,840
32616	$1,140	$1,180	$1,400	$1,720	$1,840
32618	$1,070	$1,150	$1,350	$1,690	$1,780
32619	$1,040	$1,130	$1,350	$1,690	$1,780
32622	$1,040	$1,130	$1,350	$1,690	$1,780
32627	$1,200	$1,250	$1,480	$1,820	$1,950
32631	$1,040	$1,130	$1,350	$1,690	$1,780
32633	$1,200	$1,250	$1,480	$1,820	$1,950
32635	$1,200	$1,250	$1,480	$1,820	$1,950
32640	$1,040	$1,130	$1,350	$1,690	$1,780
32641	$1,050	$1,130	$1,350	$1,690	$1,780
32643	$1,500	$1,550	$1,840	$2,260	$2,420
32653	$1,040	$1,130	$1,350	$1,690	$1,780
32655	$1,200	$1,250	$1,480	$1,820	$1,950
32658	$1,130	$1,170	$1,390	$1,710	$1,830
32666	$780	$810	$990	$1,260	$1,440
32667	$1,040	$1,130	$1,350	$1,690	$1,780
32669	$1,500	$1,560	$1,850	$2,270	$2,430
32693	$1,040	$1,130	$1,350	$1,690	$1,780
32694	$1,100	$1,130	$1,350	$1,690	$1,920
32696	$1,040	$1,130	$1,350	$1,690	$1,780

Source: HUD FY2027 Small Area FMRs (effective October 1, 2026).

HUD income limits for Gilchrist County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $99,100 (FY2025: $106,700, −7.1%). Small figures under each limit show the change from FY2025.

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Extremely low income (30%)	$20,850 −4.6%	$23,800 −4.8%	$27,320 −2.8%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$34,700 −4.7%	$39,650 −4.7%	$44,600 −4.7%	$49,550 −4.7%	$53,550 −4.7%	$57,500 −4.7%	$61,450 −4.7%	$65,450 −4.7%
Low income (80%)	$55,550 −4.6%	$63,450 −4.7%	$71,400 −4.7%	$79,300 −4.7%	$85,650 −4.7%	$92,000 −4.7%	$98,350 −4.7%	$104,700 −4.7%

The 30% limit is HUD's “extremely low income” limit: the higher of 30% of median income or the federal poverty guideline, but never above the 50% limit. That is why it can rise faster than 30% of median for larger households. Tax-credit (LIHTC) properties use separate Multifamily Tax Subsidy Project limits.

Source: HUD Section 8 Income Limits FY2026 (effective May 1, 2026) and FY2025, details.