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Lakeland-Winter Haven, FL: 2-bedroom payment standards across 44 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Lakeland-Winter Haven, FL MSA range from $1,210 to $2,250 for a 2-bedroom. The 90th-percentile ZIP code runs 1.48× the 10th — a gap of $584 a month — which ranks 69th widest of the 247 HUD metro areas we compare.

ZIP-level standards are optional here. Lakeland-Winter Haven, FL is not one of HUD's 65 designated Small Area FMR areas, so a housing authority may set one payment standard for the whole area, or adopt ZIP-level exception standards of up to 110% of a ZIP's published SAFMR. Where a single area-wide standard is used, the 8 ZIP codes below marked "above 110%" sit above the highest ceiling that basic policy reaches. Confirm what applies with the PHA that issued the voucher.
$1,500

median 2-bedroom SAFMR across the area's 44 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,650 at 110%.

$584

monthly gap between the 90th- and 10th-percentile ZIP code ($1,229 to $1,813).

18.2%

of the area's ZIP codes (8 of 44) sit above $1,650 — 110% of the area median.

Highest-rent ZIP codes in Lakeland-Winter Haven, FL

33858$2,25033837$2,05033813$1,95033827$1,85033812$1,84033884$1,75033803$1,72033840$1,72033839$1,56033838$1,55033802$1,50033804$1,50033806$1,50033807$1,50033820$1,50033831$1,50033836$1,50033845$1,50033846$1,50033863$1,50033882$1,50033883$1,50033885$1,50033811$1,49033805$1,460area median $1,500
2 BR Small Area FMR area median across all 44 ZIPs

Every ZIP code, ranked

The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.

Showing 44 of 44 ZIP codes
# ZIP code 2 BR SAFMR ▾ Payment standard (90–110%) vs area median
133858$2,250$2,025–$2,475above 110%
233837$2,050$1,845–$2,255above 110%
333813$1,950$1,755–$2,145above 110%
433827$1,850$1,665–$2,035above 110%
533812$1,840$1,656–$2,024above 110%
633884$1,750$1,575–$1,925above 110%
733803$1,720$1,548–$1,892above 110%
833840$1,720$1,548–$1,892above 110%
933839$1,560$1,404–$1,716104%
1033838$1,550$1,395–$1,705103%
1133802$1,500$1,350–$1,650100%
1233804$1,500$1,350–$1,650100%
1333806$1,500$1,350–$1,650100%
1433807$1,500$1,350–$1,650100%
1533820$1,500$1,350–$1,650100%
1633831$1,500$1,350–$1,650100%
1733836$1,500$1,350–$1,650100%
1833845$1,500$1,350–$1,650100%
1933846$1,500$1,350–$1,650100%
2033863$1,500$1,350–$1,650100%
2133882$1,500$1,350–$1,650100%
2233883$1,500$1,350–$1,650100%
2333885$1,500$1,350–$1,650100%
2433811$1,490$1,341–$1,63999%
2533805$1,460$1,314–$1,60697%
2633851$1,450$1,305–$1,59597%
2733877$1,450$1,305–$1,59597%
2833801$1,440$1,296–$1,58496%
2933844$1,400$1,260–$1,54093%
3033835$1,390$1,251–$1,52993%
3133881$1,370$1,233–$1,50791%
3233859$1,360$1,224–$1,49691%
3333880$1,340$1,206–$1,47489%
3433867$1,330$1,197–$1,46389%
3533855$1,320$1,188–$1,45288%
3633868$1,280$1,152–$1,40885%
3733850$1,260$1,134–$1,38684%
3833815$1,250$1,125–$1,37583%
3933830$1,250$1,125–$1,37583%
4033823$1,220$1,098–$1,34281%
4133853$1,220$1,098–$1,34281%
4233847$1,210$1,089–$1,33181%
4333854$1,210$1,089–$1,33181%
4433856$1,210$1,089–$1,33181%
Heads up: The figure above is the HUD Fair Market Rent. Your local Public Housing Authority (PHA) sets the actual payment standard — usually between 90% and 110% of it — so confirm your exact amount with the PHA that issued the voucher.

How Lakeland-Winter Haven, FL compares

Its internal spread of 1.48× (p90 ÷ p10) ranks 69 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.12×. See the full ranking and how it was measured →

A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.

This page shows official HUD Fair Market Rent data for general educational use — it is not legal, financial, or housing advice, and is not a guarantee of any voucher amount. Your local Public Housing Authority sets the actual payment standard and approves rents. Always confirm with your PHA and the official HUD FMR data.

Check a rent against a ZIP code → All 247 metro areas →