Orange 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).

$1,9592-bedroom FMR, FY2027

$1,7261-bedroom FMR, FY2027

$91,90080% income limit, family of 4 (FY2026)

$97,600Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Orange County is $1,959 a month, down 0.7% from $1,972 in FY2026. Orange County belongs to the Orlando-Kissimmee-Sanford, FL MSA 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 Orange County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,658	$1,650	+0.5%	$1,493 – $1,823
1 bedroom	$1,726	$1,731	−0.3%	$1,554 – $1,898
2 bedrooms	$1,959	$1,972	−0.7%	$1,764 – $2,154
3 bedrooms	$2,445	$2,476	−1.3%	$2,201 – $2,689
4 bedrooms	$2,856	$2,924	−2.3%	$2,571 – $3,141

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 Orange County that is typically $1,764 to $2,154 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?

$58,569median income of renter households

$1,775Median gross rent, all units

36%Rent-to-income ratio (median rent ÷ median renter income)

60%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $58,569 can afford about $1,464 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,959 is $495 (33.8%) more than that. To rent a two-bedroom at the FMR, a household needs $78,360 a year under the 30% rule, or $70,524 under the common landlord rule that income must be three times the rent.

Orange County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,775 ±$12
Median income of renter households	$58,569 ±$1,323
Renters paying 30% or more of income (cost-burdened)	59.5% ±1.4
Renters paying 50% or more (severely cost-burdened)	29.5% ±1.1
Renter households (where the share can be computed)	215,631

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$1,215	$1,775	+46.1%
Median renter household income	$42,045	$58,569	+39.3%
Renters paying 30%+ of income	56.1%	59.5%	+3.4 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 $1,370 to $2,690 depending on the ZIP code.

All 154 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
32102	$1,150	$1,210	$1,370	$1,730	$2,090
32134	$1,150	$1,210	$1,370	$1,730	$2,090
32158	$1,460	$1,520	$1,720	$2,150	$2,510
32159	$1,310	$1,360	$1,560	$1,930	$2,260
32162	$1,450	$1,510	$1,750	$2,180	$2,520
32163	$1,690	$1,760	$2,040	$2,480	$2,940
32195	$1,150	$1,210	$1,370	$1,730	$2,090
32701	$1,580	$1,650	$1,870	$2,330	$2,730
32702	$1,150	$1,210	$1,370	$1,730	$2,090
32703	$1,570	$1,640	$1,860	$2,320	$2,710
32704	$1,680	$1,750	$1,990	$2,480	$2,900
32707	$1,570	$1,640	$1,860	$2,320	$2,710
32708	$1,770	$1,840	$2,090	$2,610	$3,050
32709	$1,320	$1,450	$1,670	$2,160	$2,480
32710	$1,680	$1,750	$1,990	$2,480	$2,900
32712	$1,960	$2,040	$2,320	$2,900	$3,380
32714	$1,760	$1,830	$2,080	$2,600	$3,030
32715	$1,680	$1,740	$1,980	$2,470	$2,890
32716	$1,680	$1,740	$1,980	$2,470	$2,890
32718	$1,680	$1,740	$1,980	$2,470	$2,890
32719	$1,680	$1,740	$1,980	$2,470	$2,890
32720	$1,150	$1,210	$1,480	$1,930	$2,120
32726	$1,150	$1,210	$1,370	$1,730	$2,090
32727	$1,460	$1,520	$1,720	$2,150	$2,510
32730	$1,460	$1,520	$1,730	$2,160	$2,520
32732	$1,920	$2,010	$2,280	$2,850	$3,330
32733	$1,680	$1,750	$1,990	$2,480	$2,900
32735	$1,500	$1,570	$1,790	$2,250	$2,650
32736	$1,180	$1,220	$1,390	$1,740	$2,090
32746	$1,930	$2,010	$2,280	$2,850	$3,320
32747	$1,680	$1,740	$1,980	$2,470	$2,890
32750	$1,630	$1,690	$1,920	$2,400	$2,800
32751	$1,840	$1,910	$2,170	$2,710	$3,160
32752	$1,680	$1,740	$1,980	$2,470	$2,890
32756	$1,460	$1,520	$1,720	$2,150	$2,510
32757	$1,520	$1,580	$1,790	$2,230	$2,610
32762	$1,680	$1,740	$1,980	$2,470	$2,890
32765	$1,930	$2,010	$2,280	$2,850	$3,320
32766	$2,100	$2,190	$2,480	$3,100	$3,620
32767	$1,150	$1,210	$1,370	$1,730	$2,090
32768	$1,680	$1,750	$1,990	$2,480	$2,900
32771	$1,600	$1,670	$1,890	$2,360	$2,760
32772	$1,680	$1,740	$1,980	$2,470	$2,890
32773	$1,480	$1,540	$1,750	$2,180	$2,550
32776	$1,570	$1,630	$1,850	$2,320	$2,700
32777	$1,680	$1,750	$1,990	$2,480	$2,900
32778	$1,330	$1,380	$1,570	$1,960	$2,290
32779	$1,870	$1,950	$2,210	$2,760	$3,220
32784	$1,150	$1,210	$1,370	$1,730	$2,090
32789	$1,690	$1,760	$2,000	$2,500	$2,920
32790	$1,680	$1,750	$1,990	$2,480	$2,900
32791	$1,680	$1,740	$1,980	$2,470	$2,890
32792	$1,690	$1,760	$2,000	$2,500	$2,920
32793	$1,680	$1,750	$1,990	$2,480	$2,900
32794	$1,680	$1,750	$1,990	$2,480	$2,900
32795	$1,680	$1,740	$1,980	$2,470	$2,890
32798	$1,150	$1,210	$1,370	$1,730	$2,090
32801	$1,790	$1,860	$2,110	$2,630	$3,080
32802	$1,680	$1,750	$1,990	$2,480	$2,900
32803	$1,960	$2,040	$2,310	$2,880	$3,370
32804	$1,700	$1,770	$2,010	$2,510	$2,930
32805	$1,150	$1,210	$1,370	$1,730	$2,090
32806	$1,510	$1,570	$1,780	$2,220	$2,600
32807	$1,470	$1,530	$1,740	$2,170	$2,540
32808	$1,460	$1,520	$1,720	$2,150	$2,510
32809	$1,350	$1,410	$1,600	$2,000	$2,330
32810	$1,570	$1,640	$1,860	$2,320	$2,710
32811	$1,670	$1,740	$1,970	$2,460	$2,870
32812	$1,530	$1,590	$1,810	$2,260	$2,640
32814	$2,250	$2,340	$2,660	$3,320	$3,880
32816	$1,580	$1,640	$1,860	$2,330	$2,720
32817	$1,720	$1,790	$2,030	$2,530	$2,960
32818	$1,480	$1,540	$1,750	$2,180	$2,550
32819	$1,920	$2,000	$2,270	$2,830	$3,310
32820	$1,630	$1,720	$1,950	$2,480	$2,950
32821	$1,800	$1,880	$2,130	$2,660	$3,110
32822	$1,670	$1,740	$1,970	$2,460	$2,870
32824	$1,790	$1,870	$2,120	$2,650	$3,090
32825	$1,750	$1,820	$2,070	$2,580	$3,020
32826	$1,490	$1,550	$1,760	$2,200	$2,570
32827	$2,190	$2,280	$2,590	$3,230	$3,780
32828	$1,850	$1,930	$2,190	$2,730	$3,190
32829	$1,900	$1,970	$2,240	$2,800	$3,270
32830	$1,920	$2,000	$2,270	$2,830	$3,310
32831	$1,830	$1,900	$2,160	$2,700	$3,150
32832	$2,200	$2,290	$2,600	$3,250	$3,790
32833	$1,430	$1,490	$1,690	$2,110	$2,460
32835	$1,820	$1,890	$2,150	$2,680	$3,130
32836	$1,960	$2,040	$2,320	$2,900	$3,380
32837	$1,910	$1,990	$2,260	$2,820	$3,290
32839	$1,540	$1,600	$1,820	$2,270	$2,650
32853	$1,680	$1,750	$1,990	$2,480	$2,900
32854	$1,680	$1,750	$1,990	$2,480	$2,900
32855	$1,680	$1,750	$1,990	$2,480	$2,900
32856	$1,680	$1,750	$1,990	$2,480	$2,900
32857	$1,680	$1,750	$1,990	$2,480	$2,900
32858	$1,680	$1,750	$1,990	$2,480	$2,900
32859	$1,680	$1,750	$1,990	$2,480	$2,900
32860	$1,680	$1,750	$1,990	$2,480	$2,900
32861	$1,680	$1,750	$1,990	$2,480	$2,900
32862	$1,680	$1,750	$1,990	$2,480	$2,900
32867	$1,680	$1,750	$1,990	$2,480	$2,900
32868	$1,680	$1,750	$1,990	$2,480	$2,900
32869	$1,680	$1,750	$1,990	$2,480	$2,900
32872	$1,680	$1,750	$1,990	$2,480	$2,900
32877	$1,680	$1,750	$1,990	$2,480	$2,900
32878	$1,680	$1,750	$1,990	$2,480	$2,900
33848	$1,820	$1,910	$2,210	$2,840	$3,360
33896	$1,900	$2,010	$2,390	$3,220	$3,880
33897	$1,800	$1,910	$2,300	$3,150	$3,830
33898	$1,110	$1,180	$1,420	$1,950	$2,370
34705	$1,150	$1,210	$1,370	$1,730	$2,090
34711	$1,820	$1,890	$2,150	$2,680	$3,130
34712	$1,460	$1,520	$1,720	$2,150	$2,510
34713	$1,460	$1,520	$1,720	$2,150	$2,510
34714	$1,670	$1,740	$1,970	$2,470	$2,890
34715	$1,980	$2,060	$2,340	$2,920	$3,410
34729	$1,780	$1,870	$2,130	$2,670	$3,150
34731	$1,220	$1,270	$1,440	$1,800	$2,100
34734	$1,970	$2,050	$2,330	$2,910	$3,400
34736	$1,600	$1,670	$1,890	$2,360	$2,760
34737	$1,730	$1,800	$2,040	$2,550	$2,970
34739	$1,440	$1,510	$1,770	$2,270	$2,700
34740	$1,680	$1,750	$1,990	$2,480	$2,900
34741	$1,610	$1,670	$1,900	$2,370	$2,770
34742	$1,650	$1,720	$1,950	$2,430	$2,840
34743	$1,720	$1,790	$2,030	$2,530	$2,960
34744	$1,460	$1,520	$1,730	$2,160	$2,520
34745	$1,650	$1,720	$1,950	$2,430	$2,840
34746	$1,770	$1,840	$2,090	$2,610	$3,050
34747	$1,790	$1,860	$2,110	$2,630	$3,080
34748	$1,180	$1,220	$1,390	$1,740	$2,090
34749	$1,460	$1,520	$1,720	$2,150	$2,510
34753	$1,430	$1,490	$1,690	$2,110	$2,460
34755	$1,460	$1,520	$1,720	$2,150	$2,510
34756	$1,460	$1,520	$1,730	$2,160	$2,520
34758	$1,780	$1,850	$2,100	$2,620	$3,060
34759	$1,650	$1,750	$2,080	$2,820	$3,400
34760	$2,030	$2,110	$2,400	$3,000	$3,500
34761	$1,810	$1,890	$2,140	$2,670	$3,120
34762	$1,300	$1,350	$1,540	$1,920	$2,250
34769	$1,400	$1,450	$1,650	$2,060	$2,410
34770	$1,650	$1,720	$1,950	$2,430	$2,840
34771	$1,730	$1,800	$2,040	$2,550	$2,970
34772	$1,910	$1,990	$2,260	$2,820	$3,290
34773	$2,080	$2,180	$2,490	$3,120	$3,690
34777	$1,680	$1,750	$1,990	$2,480	$2,900
34778	$1,680	$1,750	$1,990	$2,480	$2,900
34786	$2,280	$2,370	$2,690	$3,360	$3,920
34787	$2,030	$2,110	$2,400	$3,000	$3,500
34788	$1,410	$1,460	$1,660	$2,070	$2,420
34789	$1,460	$1,520	$1,720	$2,150	$2,510
34797	$1,730	$1,800	$2,040	$2,550	$2,970
34972	$1,150	$1,210	$1,370	$1,730	$2,090

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

HUD income limits for Orange County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $97,600 (FY2025: $98,100, −0.5%). 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%)	$24,150 +9.0%	$27,600 +9.1%	$31,050 +9.1%	$34,450 +7.2%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$40,250 +9.1%	$46,000 +9.1%	$51,750 +9.1%	$57,450 +9.0%	$62,050 +9.0%	$66,650 +9.0%	$71,250 +9.0%	$75,850 +9.1%
Low income (80%)	$64,350 +9.0%	$73,550 +9.0%	$82,750 +9.0%	$91,900 +9.0%	$99,300 +9.1%	$106,650 +9.0%	$114,000 +9.0%	$121,350 +9.0%

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.