St. Johns 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).

$1,6942-bedroom FMR, FY2027

$1,4211-bedroom FMR, FY2027

$86,95080% income limit, family of 4 (FY2026)

$108,700Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in St. Johns County is $1,694 a month, up 2.2% from $1,658 in FY2026. St. Johns County belongs to the Jacksonville, 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 St. Johns County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,401	$1,355	+3.4%	$1,261 – $1,541
1 bedroom	$1,421	$1,382	+2.8%	$1,279 – $1,563
2 bedrooms	$1,694	$1,658	+2.2%	$1,525 – $1,863
3 bedrooms	$2,077	$2,043	+1.7%	$1,870 – $2,284
4 bedrooms	$2,594	$2,561	+1.3%	$2,335 – $2,853

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 St. Johns County that is typically $1,525 to $1,863 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?

$64,146median income of renter households

$1,922Median 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 $64,146 can afford about $1,604 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,694 is $90 (5.6%) more than that. To rent a two-bedroom at the FMR, a household needs $67,760 a year under the 30% rule, or $60,984 under the common landlord rule that income must be three times the rent.

St. Johns County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,922 ±$70
Median income of renter households	$64,146 ±$3,950
Renters paying 30% or more of income (cost-burdened)	59.5% ±5.3
Renters paying 50% or more (severely cost-burdened)	31.1% ±4.3
Renter households (where the share can be computed)	19,371

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$1,312	$1,922	+46.5%
Median renter household income	$49,433	$64,146	+29.8%
Renters paying 30%+ of income	51.1%	59.5%	+8.4 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 $980 to $2,540 depending on the ZIP code.

All 82 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
32003	$1,870	$1,900	$2,260	$2,770	$3,460
32004	$1,730	$1,750	$2,090	$2,560	$3,200
32006	$1,430	$1,450	$1,730	$2,120	$2,650
32009	$860	$900	$1,080	$1,350	$1,710
32011	$1,010	$1,020	$1,220	$1,500	$1,870
32033	$1,690	$1,710	$2,040	$2,500	$3,120
32034	$1,360	$1,380	$1,640	$2,010	$2,510
32035	$1,330	$1,350	$1,610	$1,970	$2,470
32041	$1,330	$1,350	$1,610	$1,970	$2,470
32043	$1,400	$1,420	$1,690	$2,070	$2,580
32046	$850	$860	$1,030	$1,260	$1,580
32050	$1,430	$1,450	$1,730	$2,120	$2,650
32058	$1,060	$1,100	$1,200	$1,490	$2,000
32065	$1,630	$1,650	$1,970	$2,410	$3,020
32067	$1,430	$1,450	$1,730	$2,120	$2,650
32068	$1,350	$1,370	$1,630	$2,000	$2,500
32073	$1,360	$1,380	$1,650	$2,020	$2,530
32079	$1,510	$1,530	$1,830	$2,270	$2,870
32080	$1,600	$1,620	$1,930	$2,370	$2,960
32081	$1,760	$1,780	$2,130	$2,640	$3,340
32082	$1,810	$1,840	$2,190	$2,680	$3,350
32084	$1,440	$1,460	$1,740	$2,130	$2,660
32085	$1,730	$1,750	$2,090	$2,560	$3,200
32086	$1,480	$1,500	$1,790	$2,190	$2,740
32091	$850	$890	$980	$1,250	$1,630
32092	$2,100	$2,130	$2,540	$3,110	$3,890
32095	$1,780	$1,800	$2,150	$2,640	$3,290
32097	$1,710	$1,740	$2,070	$2,540	$3,170
32131	$1,100	$1,200	$1,420	$1,790	$2,270
32140	$1,010	$1,040	$1,330	$1,720	$1,980
32145	$1,060	$1,070	$1,280	$1,570	$1,960
32160	$1,430	$1,450	$1,730	$2,120	$2,650
32202	$1,150	$1,170	$1,390	$1,700	$2,130
32203	$1,370	$1,390	$1,660	$2,030	$2,540
32204	$1,170	$1,180	$1,410	$1,730	$2,160
32205	$1,260	$1,270	$1,520	$1,860	$2,330
32206	$950	$960	$1,150	$1,410	$1,760
32207	$1,300	$1,320	$1,570	$1,920	$2,400
32208	$1,170	$1,190	$1,420	$1,740	$2,170
32209	$1,030	$1,040	$1,240	$1,520	$1,900
32210	$1,170	$1,190	$1,420	$1,740	$2,170
32211	$1,120	$1,140	$1,360	$1,670	$2,080
32212	$2,000	$2,030	$2,420	$2,970	$3,710
32214	$1,370	$1,390	$1,660	$2,030	$2,540
32216	$1,280	$1,300	$1,550	$1,900	$2,370
32217	$1,150	$1,170	$1,390	$1,700	$2,130
32218	$1,410	$1,430	$1,700	$2,080	$2,600
32219	$1,230	$1,250	$1,490	$1,830	$2,280
32220	$1,220	$1,230	$1,470	$1,800	$2,250
32221	$1,600	$1,630	$1,940	$2,380	$2,970
32222	$1,690	$1,710	$2,040	$2,500	$3,120
32223	$1,500	$1,520	$1,810	$2,220	$2,770
32224	$1,610	$1,640	$1,950	$2,390	$2,990
32225	$1,590	$1,610	$1,920	$2,350	$2,940
32226	$2,100	$2,130	$2,540	$3,110	$3,890
32227	$1,780	$1,800	$2,150	$2,640	$3,290
32228	$1,780	$1,800	$2,150	$2,640	$3,290
32229	$1,370	$1,390	$1,660	$2,030	$2,540
32233	$1,480	$1,500	$1,790	$2,190	$2,740
32234	$1,010	$1,020	$1,220	$1,490	$1,860
32235	$1,370	$1,390	$1,660	$2,030	$2,540
32236	$1,370	$1,390	$1,660	$2,030	$2,540
32238	$1,370	$1,390	$1,660	$2,030	$2,540
32239	$1,370	$1,390	$1,660	$2,030	$2,540
32240	$1,370	$1,390	$1,660	$2,030	$2,540
32241	$1,370	$1,390	$1,660	$2,030	$2,540
32244	$1,440	$1,460	$1,740	$2,130	$2,660
32245	$1,370	$1,390	$1,660	$2,030	$2,540
32246	$1,730	$1,750	$2,090	$2,560	$3,200
32247	$1,370	$1,390	$1,660	$2,030	$2,540
32250	$1,770	$1,790	$2,140	$2,620	$3,280
32254	$1,110	$1,120	$1,340	$1,640	$2,050
32255	$1,370	$1,390	$1,660	$2,030	$2,540
32256	$1,700	$1,720	$2,050	$2,510	$3,140
32257	$1,360	$1,380	$1,650	$2,020	$2,530
32258	$1,830	$1,850	$2,210	$2,710	$3,380
32259	$2,100	$2,130	$2,540	$3,110	$3,890
32260	$1,730	$1,750	$2,090	$2,560	$3,200
32266	$1,530	$1,550	$1,850	$2,270	$2,830
32277	$1,270	$1,280	$1,530	$1,880	$2,340
32656	$1,020	$1,040	$1,230	$1,500	$1,890
32666	$780	$810	$990	$1,260	$1,440

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

HUD income limits for St. Johns County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $108,700 (FY2025: $102,500, +6.0%). 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%)	$22,850 +6.0%	$26,100 +6.1%	$29,350 +6.0%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$38,050 +6.0%	$43,500 +6.1%	$48,950 +6.1%	$54,350 +6.0%	$58,700 +6.1%	$63,050 +6.1%	$67,400 +6.1%	$71,750 +6.1%
Low income (80%)	$60,900 +6.1%	$69,600 +6.1%	$78,300 +6.1%	$86,950 +6.0%	$93,950 +6.0%	$100,900 +6.0%	$107,850 +6.0%	$114,800 +6.1%

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.