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Palm Bay-Melbourne-Titusville, FL: 2-bedroom payment standards across 44 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Palm Bay-Melbourne-Titusville, FL MSA range from $1,290 to $2,350 for a 2-bedroom. The 90th-percentile ZIP code runs 1.38× the 10th — a gap of $571 a month — which ranks 114th widest of the 247 HUD metro areas we compare.

HUD requires ZIP-level payment standards here. Palm Bay-Melbourne-Titusville, FL is one of the 65 designated Small Area FMR areas, so housing authorities in this area set payment standards from each ZIP code's own SAFMR rather than one area-wide figure. The spread below is policy, not a gap — though your PHA still chooses a figure within 90–110% of each ZIP's SAFMR, and may group ZIP codes together.
$1,710

median 2-bedroom SAFMR across the area's 44 ZIP codes. Each ZIP code carries its own standard here; your PHA sets a figure within 90–110% of that ZIP's SAFMR.

$571

monthly gap between the 90th- and 10th-percentile ZIP code ($1,506 to $2,077).

25.0%

of the area's ZIP codes (11 of 44) sit above $1,881 — 110% of the area median. Because ZIP-level standards are required here, that is a measure of the area's rent spread, not of ZIP codes left behind by a ceiling.

Highest-rent ZIP codes in Palm Bay-Melbourne-Titusville, FL

32925$2,35032940$2,31032934$2,12032950$2,10032904$2,08032937$2,07032903$2,06032951$2,03032908$2,02032907$1,93032955$1,92032931$1,86032949$1,86032935$1,77032909$1,74032775$1,71032781$1,71032783$1,71032899$1,71032902$1,71032906$1,71032910$1,71032911$1,71032912$1,71032923$1,710area median $1,710
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, which here simply marks the top of the area's rent range — ZIP-level standards are required in this area, so no ZIP is capped by an area-wide figure.

Showing 44 of 44 ZIP codes
# ZIP code 2 BR SAFMR ▾ Payment standard (90–110%) vs area median
132925$2,350$2,115–$2,585above 110%
232940$2,310$2,079–$2,541above 110%
332934$2,120$1,908–$2,332above 110%
432950$2,100$1,890–$2,310above 110%
532904$2,080$1,872–$2,288above 110%
632937$2,070$1,863–$2,277above 110%
732903$2,060$1,854–$2,266above 110%
832951$2,030$1,827–$2,233above 110%
932908$2,020$1,818–$2,222above 110%
1032907$1,930$1,737–$2,123above 110%
1132955$1,920$1,728–$2,112above 110%
1232931$1,860$1,674–$2,046109%
1332949$1,860$1,674–$2,046109%
1432935$1,770$1,593–$1,947104%
1532909$1,740$1,566–$1,914102%
1632775$1,710$1,539–$1,881100%
1732781$1,710$1,539–$1,881100%
1832783$1,710$1,539–$1,881100%
1932899$1,710$1,539–$1,881100%
2032902$1,710$1,539–$1,881100%
2132906$1,710$1,539–$1,881100%
2232910$1,710$1,539–$1,881100%
2332911$1,710$1,539–$1,881100%
2432912$1,710$1,539–$1,881100%
2532923$1,710$1,539–$1,881100%
2632924$1,710$1,539–$1,881100%
2732932$1,710$1,539–$1,881100%
2832936$1,710$1,539–$1,881100%
2932941$1,710$1,539–$1,881100%
3032954$1,710$1,539–$1,881100%
3132956$1,710$1,539–$1,881100%
3232905$1,630$1,467–$1,79395%
3332952$1,630$1,467–$1,79395%
3432901$1,590$1,431–$1,74993%
3532927$1,570$1,413–$1,72792%
3632959$1,570$1,413–$1,72792%
3732976$1,570$1,413–$1,72792%
3832926$1,520$1,368–$1,67289%
3932953$1,520$1,368–$1,67289%
4032796$1,500$1,350–$1,65088%
4132780$1,480$1,332–$1,62887%
4232754$1,380$1,242–$1,51881%
4332920$1,340$1,206–$1,47478%
4432922$1,290$1,161–$1,41975%
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 Palm Bay-Melbourne-Titusville, FL compares

Its internal spread of 1.38× (p90 ÷ p10) ranks 114 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 1.16×. 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 →