How much does Section 8 pay for a 2-bedroom in ZIP 32656?

For ZIP 32656 in Clay County, FL, the FY2027 two-bedroom Small Area Fair Market Rent is $1,230 per month. For illustration, 90% to 110% of this HUD benchmark is roughly $1,105 to $1,355. This modeled range is not the agency's adopted schedule. The agency calculates assistance using its applicable standard, household income and unit details; gross rent includes the allowance for tenant-paid utilities.

What are the FY2027 HUD rent benchmarks for ZIP 32656?

HUD's FY2027 Small Area Fair Market Rent for ZIP 32656, by bedroom size: studio $1,020, 1-bedroom $1,040, 2-bedroom $1,230, 3-bedroom $1,500, 4-bedroom $1,890. A ZIP benchmark helps compare locations but does not establish what a voucher pays. The administering agency's adopted schedule, program rules and household calculation determine assistance.

Section 8 Rent in ZIP 32656

FY2027 Small Area Fair Market Rent for ZIP 32656 in Clay County, Florida: HUD rent benchmarks by bedroom size, an illustrative percentage range, the housing authorities that administer vouchers here, and whether a landlord can legally decline a voucher in Florida.

Studio

$1,020

1 BR

$1,040

2 BR

$1,230

3 BR

$1,500

4 BR

$1,890

What does the HUD rent benchmark measure in ZIP 32656?

HUD's Fair Market Rents estimate 40th-percentile gross rents for standard-quality units occupied by recent movers. Small Area FMRs provide ZIP-level estimates. These are not arithmetic average asking rents or approved voucher payments. For FY2027, that benchmark is $1,040 for a one-bedroom and $1,230 for a two-bedroom in ZIP 32656. Actual asking rents and adopted agency payment standards can differ. The full HUD benchmark table is above.

What changed from FY2026 to FY2027 in ZIP 32656

HUD's two-bedroom Small Area Fair Market Rent for ZIP 32656 stayed at $1,230 for FY2027. FY2027 figures took effect on October 1, 2026.

Bedrooms	FY2026	FY2027	Change
Efficiency (studio)	$1,010	$1,020	+$10 (+1.0%)
1-bedroom	$1,030	$1,040	+$10 (+1.0%)
2-bedroom	$1,230	$1,230	$0 (0%)
3-bedroom	$1,520	$1,500	-$20 (-1.3%)
4-bedroom	$1,920	$1,890	-$30 (-1.6%)

The FMR is not what the voucher pays. Each housing authority sets its own payment standard. The basic range is 90% to 110% of the applicable FMR or SAFMR, with exceptions and Moving to Work policies that may differ. A HUD effective date is not a household rent-change notice. Confirm the adopted schedule and its application to your lease or reexamination with your agency.

Source: HUD Small Area Fair Market Rents, FY2026 and FY2027, huduser.gov.

Illustration: 90% to 110% of the HUD benchmark (2 BR)

These percentages illustrate the basic payment-standard range, not a verified agency schedule. ZIP-based policies, approved exceptions and Moving to Work rules can differ.

Low (90%)

$1,105

FMR (100%)

$1,230

High (110%)

$1,355

Gross rent includes the applicable allowance for tenant-paid utilities. Ask your administering agency for the adopted standard and household affordability calculation; neither the HUD benchmark nor this illustration is a lease approval.

ZIP vs county FMR (2 BR)

ZIP 32656 at $1,230 is $464 lower than the Clay County county-wide 2 BR FMR of $1,694. The difference describes HUD benchmarks, not a reduction in your voucher. Confirm the applicable schedule with the agency administering your assistance.

Can a landlord refuse Section 8 in ZIP 32656?

Yes. Florida law blocks local governments from requiring voucher acceptance, so landlords in ZIP 32656 can legally decline Section 8 applicants. Listing on a voucher-friendly marketplace is the fastest way to find the landlords who do accept.

Florida HB 1417 (2023) preempts local tenant regulation; county source-of-income ordinances (Miami-Dade, Broward, Hillsborough, Orange, Pinellas) are of uncertain effect

PRRAC notes the 2023 preemption may nullify existing county ordinances; ask the county human-rights office whether it is still enforcing. PRRAC Appendix B (March 2026).

View statute →

Informational only, not legal advice. Laws change, so verify current status before acting on a rejection or making a leasing decision.

Frequently asked questions

How much does Section 8 pay for a 2-bedroom in ZIP 32656?: For ZIP 32656 in Clay County, FL, the FY2027 two-bedroom Small Area Fair Market Rent is $1,230 per month. For illustration, 90% to 110% of this HUD benchmark is roughly $1,105 to $1,355. This modeled range is not the agency's adopted schedule. The agency calculates assistance using its applicable standard, household income and unit details; gross rent includes the allowance for tenant-paid utilities.
What are the FY2027 HUD rent benchmarks for ZIP 32656?: HUD's FY2027 Small Area Fair Market Rent for ZIP 32656, by bedroom size: studio $1,020, 1-bedroom $1,040, 2-bedroom $1,230, 3-bedroom $1,500, 4-bedroom $1,890. A ZIP benchmark helps compare locations but does not establish what a voucher pays. The administering agency's adopted schedule, program rules and household calculation determine assistance.

Find Section 8 apartments in ZIP 32656

VoucherMatch connects voucher holders with landlords who accept Section 8, and it is free for renters. The administering housing authority must approve the actual unit, rent and household assistance calculation.

Browse voucher-friendly listings in ZIP 32656 List your unit free

Clay County overview All of Florida

Landlord and investor tools for Clay County

RentalCalcs

Free calculators and guides from RentalCalcs, built by the VoucherMatch team, for landlords deciding whether to accept vouchers.

SAFMR data published by HUD for FY2027. ZIP 32656 maps to Clay County, FL · FIPS 12019. Investors can run these numbers in the RentalCalcs voucher analyzer.