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2025 FMR And Section 8 Rents For Panama City FL

Section 8 is a federal program that guarantees monthly rent payments to landlords. The U.S. Department of Housing and Urban Development (HUD) publishes Fair Market Rents, which are 40th percentile averages of local rents, to determine their standard payment amount.

Use our Section 8 rents table to find the best market for Section 8 investment. See Section 8 rents in each zip code of panama-city, FL.

Typically, the government guarantees 70% of the rent payment, and the tenant pays the remaining 30%. Section 8 tenants typically stay in their units 6-7x longer than regular tenants.

Zip CodeStudio1 Bed2 Bed3 Bed4 Bed
54120$1570$1610$1890$2560$3210
54114$1710$1750$2050$2780$3480
54119$1269$1297$1523$2065$2585
54121$1270$1297$1523$2065$2585
54107$1270$1297$1523$2065$2585
54124$1270$1297$1523$2065$2585
54136$1310$1340$1570$2130$2660
54110$1900$1940$2280$3090$3870
54129$1370$1410$1650$2240$2800
54127$1269$1297$1523$2065$2585
54130$1269$1297$1523$2065$2585
54111$1269$1297$1523$2065$2585
54125$1270$1297$1523$2065$2585
54126$1269$1297$1523$2065$2585
54135$1270$1297$1523$2065$2585
54112$1269$1297$1523$2065$2585
54128$1460$1490$1750$2370$2970
54106$1269$1297$1523$2065$2585
54113$1270$1297$1523$2065$2585
54123$1330$1360$1600$2170$2720
54115$1270$1300$1530$2070$2600

Zip Code:

54120

Studio Rent:

$1570

1 Bedroom Rent:

$1610

2 Bedroom Rent:

$1890

3 Bedroom Rent:

$2560

4 Bedroom Rent:

$3210

Zip Code:

54114

Studio Rent:

$1710

1 Bedroom Rent:

$1750

2 Bedroom Rent:

$2050

3 Bedroom Rent:

$2780

4 Bedroom Rent:

$3480

Zip Code:

54119

Studio Rent:

$1269

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54121

Studio Rent:

$1270

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54107

Studio Rent:

$1270

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54124

Studio Rent:

$1270

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54136

Studio Rent:

$1310

1 Bedroom Rent:

$1340

2 Bedroom Rent:

$1570

3 Bedroom Rent:

$2130

4 Bedroom Rent:

$2660

Zip Code:

54110

Studio Rent:

$1900

1 Bedroom Rent:

$1940

2 Bedroom Rent:

$2280

3 Bedroom Rent:

$3090

4 Bedroom Rent:

$3870

Zip Code:

54129

Studio Rent:

$1370

1 Bedroom Rent:

$1410

2 Bedroom Rent:

$1650

3 Bedroom Rent:

$2240

4 Bedroom Rent:

$2800

Zip Code:

54127

Studio Rent:

$1269

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54130

Studio Rent:

$1269

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54111

Studio Rent:

$1269

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54125

Studio Rent:

$1270

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54126

Studio Rent:

$1269

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54135

Studio Rent:

$1270

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54112

Studio Rent:

$1269

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54128

Studio Rent:

$1460

1 Bedroom Rent:

$1490

2 Bedroom Rent:

$1750

3 Bedroom Rent:

$2370

4 Bedroom Rent:

$2970

Zip Code:

54106

Studio Rent:

$1269

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54113

Studio Rent:

$1270

1 Bedroom Rent:

$1297

2 Bedroom Rent:

$1523

3 Bedroom Rent:

$2065

4 Bedroom Rent:

$2585

Zip Code:

54123

Studio Rent:

$1330

1 Bedroom Rent:

$1360

2 Bedroom Rent:

$1600

3 Bedroom Rent:

$2170

4 Bedroom Rent:

$2720

Zip Code:

54115

Studio Rent:

$1270

1 Bedroom Rent:

$1300

2 Bedroom Rent:

$1530

3 Bedroom Rent:

$2070

4 Bedroom Rent:

$2600

⚡️
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Frequently Asked Section 8 Investing Questions

Fair Market Rent (FMR): HUD sets FMR by bedroom size for each area.

Payment Standard: The local PHA sets this between 90–110% of the FMR. It's the max PHA assistance.

Gross Rent: Contract rent (charged by landlord) + utility allowance (estimated tenant utility costs). Must fit payment standard limits.

Housing Assistance Payment (HAP):

The PHA pays the lower of:

  • Payment standard - Tenant's Total Tenant Payment (TTP).
  • Gross rent - TTP.

Example:

  • Payment standard: $1,500
  • Contract rent: $1,400
  • Utility allowance: $100
  • Tenant's TTP: $400
  • Gross rent: $1,500 ($1,400 + $100).
  • HAP: $1,100 (lower of $1,500 - $400 or $1,500 - $400).

Landlord receives $1,100 (PHA) + $400 (tenant) = $1,500 total.