High-FMR payment standards - Panama City, FL HUD Metro FMR Area
HUD FY2026 2-BR Fair Market Rent for Panama City, FL HUD Metro FMR Area is $1,682/month - 79th percentile of 396 published metro FMR areas (#312 cheapest→expensive) ; voucher vs ACS median: 24.2% above market ; FMR rows touch Bay County .
Geography note: HUD divides this CBSA into 2 separate Fair Market Rent areas, each with its own rent schedule. The amounts above are for Panama City, FL HUD Metro FMR Area only, not the whole metro.
Expensive rung: who shares Panama City, FL HUD Metro FMR Area's FMR tier
Near-amount peers: Savannah, GA MSA ($1,680), Santa Fe, NM MSA ($1,685), Eugene-Springfield, OR MSA ($1,688) .
For scale, bottom-quartile published amounts include Parkersburg-Vienna, WV MSA, Massac County, IL HUD Metro FMR Area, Peoria, IL MSA, Owensboro, KY MSA, Ponce, PR Metro Area, Muncie, IN MSA - those metros are not substitutes for lease-up planning in Panama City, FL HUD Metro FMR Area.
FL-state FMR neighbors for Panama City, FL HUD Metro FMR Area
Closest 2-BR amounts inside FL: Palm Bay-Melbourne-Titusville, FL MSA ($1,709); Port St. Lucie, FL MSA ($1,757); Sebastian-Vero Beach-West Vero Corridor, FL MSA ($1,604); Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area ($1,785); Palm Coast, FL HUD Metro FMR Area ($1,806); Lakeland-Winter Haven, FL MSA ($1,497); Gainesville, FL HUD Metro FMR Area ($1,493); Pensacola-Ferry Pass-Brent, FL MSA ($1,471) . Alphabetical “nearby” lists are intentionally not used here - amount proximity is the comparison that matters for payment standards.
What are the HUD FY2026 bedroom FMRs for Panama City, FL HUD Metro FMR Area?
| Size | HUD FMR |
|---|---|
| Studio | $1,426/mo |
| 1-BR | $1,480/mo |
| 2-BR | $1,682/mo |
| 3-BR | $2,169/mo |
| 4-BR | $2,689/mo |
Section 8 payment standard range for Panama City, FL HUD Metro FMR Area
HUD lets each Public Housing Authority set its payment standard between 90% and 110% of the published Fair Market Rent for the bedroom size served. These dollar amounts are derived from HUD FY2026 FMR for Panama City, FL HUD Metro FMR Area; your PHA may choose a figure inside this band. This is not a quote for a specific unit, availability, or waitlist status.
| Size | HUD FMR | 90% floor | 110% ceiling |
|---|---|---|---|
| Studio | $1,426/mo | $1,283/mo | $1,569/mo |
| 1-BR | $1,480/mo | $1,332/mo | $1,628/mo |
| 2-BR | $1,682/mo | $1,514/mo | $1,850/mo |
| 3-BR | $2,169/mo | $1,952/mo | $2,386/mo |
| 4-BR | $2,689/mo | $2,420/mo | $2,958/mo |
For a 2-bedroom in Panama City, FL HUD Metro FMR Area, the HUD reference rent is $1,682/month, so the lawful payment-standard band runs $1,514–$1,850/month before any tenant income share.
ACS median 2-BR rent $1,354/mo → 24.2% above market (generous). Detail: gap analysis for Panama City, FL HUD Metro FMR Area.
PHAs naming Panama City, FL HUD Metro FMR Area
- Panama City Housing Authority · 723 HCV units
Need the full directory? Browse all HUD PHA records in Florida . The directory does not report current availability or waitlists.
FL agencies near this metro's scale key
Housing authorities in FL whose HCV caseload sits closest to a CBSA-stable scale target (not the statewide giants list - that list was identical across siblings):
- Ocala Housing Authority
- CLEARWATER HOUSING AUTHORITY
- Orange County Housing & Community Development
- MANATEE COUNTY HOUSING AUTHORITY
- HOUSING AUTHORITY OF THE CITY OF LAKELAND
- Pasco County Housing Authority
- Northwest Florida Regional Housing Authority
- Housing Authority of City of Daytona Beach
- Gainesville Housing Authority
- DELRAY BEACH HOUSING AUTHORITY
Full near-amount ladder
- Savannah, GA MSA · $1,680
- Santa Fe, NM MSA · $1,685
- Eugene-Springfield, OR MSA · $1,688
- Fairbanks-College, AK MSA · $1,676
- Vineland, NJ MSA · $1,673
- Fresno, CA HUD Metro FMR Area · $1,664
- Albany-Schenectady-Troy, NY MSA · $1,702
- Ann Arbor, MI MSA · $1,656
- Boise City, ID HUD Metro FMR Area · $1,655
- Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area · $1,709
- Palm Bay-Melbourne-Titusville, FL MSA · $1,709
- Richmond, VA HUD Metro FMR Area · $1,655
What to do with this FMR desk
Panama City, FL HUD FY2026 2-BR FMR is $1,682/mo; use the schedule as a source desk, not a lease quote.
- Cross-check the 1 PHA record tied to this market against the HUD directory profile. Panama City Housing Authority
- Open the voucher-vs-market gap board for this CBSA (24.2% above market). Metro gap page
- Confirm how PHAs may set payment standards at 90-110% of FMR, and why the two figures are not interchangeable. FMR vs payment standard
FMR is HUD's published Fair Market Rent for this FMR area. It is not a PHA payment standard, unit quote, eligibility result, or waitlist status. Confirm any leasing figure with the PHA that serves the unit.
Source: HUD USER Fair Market Rent (FY2026) ; Census ACS median gross rent. Confirm the live PHA figure before leasing. Methodology.
Verify with HUD → · Verify with U.S. Census Bureau → · Set a September HUD update reminder