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Renting · Section 8

Data from November 2026

Renting in Lake County, Florida

Lake County has a HUD fair market rent of $1,959 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,586 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $37.67 an hour, full time.

Figure your move-in cash Section 8 here
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Fair market rent, 2 bedrooms
$1,959
a month, HUD, Fiscal year 2027
About the same as in Florida
Typical rent
$1,586
a month, Census, Average 2020–2024
5% less than in Florida
Wage needed
$37.67
an hour, 2 bedrooms
Or $78,360 a year, to spend no more than 30% of income on rent.
Rent-burdened households
59%
spend 30% or more of income on rent
2% less than in Florida

Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD) Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates

Only here

Renting in Lake County: what sets it apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Sumter County, the typical rent is $1,269: 20% less than in Lake County ($1,586).

Sources: U.S. Census Bureau (Average 2020–2024).

Fair market rent

What HUD sets for each size

Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Lake County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.

The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)

According to Zillow (ZORI), the typical asking rent in Lake County was $1,951 a month in September 2026: about the same as 12 months ago. It is an index of market listings, not a HUD limit. Zillow data

Fair market rent and wage needed To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).
Size Fair rent per month Hourly wage Income needed per year
Studio $1,658 $31.88 $66,320
1 bedroom $1,726 $33.19 $69,040
2 bedrooms $1,959 $37.67 $78,360
3 bedrooms $2,445 $47.02 $97,800
4 bedrooms $2,856 $54.92 $114,240

HUD area: Orlando-Kissimmee-Sanford, FL MSA. Source: HUD, Fiscal year 2027

By ZIP code

The fair market rent for your ZIP code

HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 30 ZIP codes in Lake County (Fiscal year 2027). Type yours to see it.

For 2 bedrooms they run from $1,370 in 32102 to $2,340 in 34715. 7 ZIP codes are above the county's fair market rent ($1,959).

Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)

Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD)

Rent burden

How many households spend too much

HUD counts rent as a burden when it reaches 30% of income or more. In Lake County, 59% of renter households are in that position; in Florida, 60%, and nationwide, 51% (Average 2020–2024, Census).

Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.

59%

of renter households spend 30% or more of their income on rent.

36,852 households rent in Lake County

  • Spend half or more of their income 28%
  • Spend 30% or more, but less than half 31%
  • Spend less than 30% 41%

Compared with the state and the country

  • Lake 59%
  • Florida 60%
  • United States 51%

Low-income apartments

Low-income apartments in Lake County

HUD lists 41 properties with homes for low-income households in Lake County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.

with tax credits (LIHTC)
33
HUD-assisted
8
public housing
1

3,653 homes in all; 3,430 of them low-income, according to HUD.

  • Raintree Tax credit (LIHTC) 1336 Raintree Bnd, Clermont 34714 313 homes, 310 low-income · 2 bd: 193 · 3 bd: 96 · 4 bd: 24 · In service since 2002
  • Spring Harbor Tax credit (LIHTC) 2500 Spring Harbor Cir, Mount Dora 32757 248 low-income homes · 1 bd: 40 · 2 bd: 112 · 3 bd: 96 · In service since 2000 · For families
  • Cove at Lady Lake Tax credit (LIHTC) 735 N US Hwy 441, Lady Lake 32159 176 low-income homes · 1 bd: 32 · 2 bd: 80 · 3 bd: 32 · 4 bd: 32 · In service since 2006 · For families
  • Osprey Ridge Apts Tax credit (LIHTC) 201 Hunt St, Clermont 34711 176 homes, 174 low-income · 2 bd: 112 · 3 bd: 64 · In service since 2001
  • Crossings at Leesburg Tax credit (LIHTC) 2511 Sennett Dr, Leesburg 34748 168 low-income homes · 2 bd: 72 · 3 bd: 88 · 4 bd: 8 · In service since 2004 · For families
  • Lake Pointe Senior Tax credit (LIHTC) 1821 Dora Ave, Tavares 32778 160 low-income homes · 1 bd: 80 · 2 bd: 80 · In service since 2006 · For older adults, families
  • Laurel Oaks I Tax credit (LIHTC) 2700 Laurel Hollow Dr, Leesburg 34748 144 low-income homes · 2 bd: 88 · 3 bd: 48 · 4 bd: 8 · In service since 2009 · For families
  • Valencia Grove Tax credit (LIHTC) 551 Huffstetler Dr, Eustis 32726 144 low-income homes · 1 bd: 24 · 2 bd: 96 · 3 bd: 24 · In service since 2016 · For families
  • Cypress Oaks Tax credit (LIHTC) 336 Sandy Oak Cir, Leesburg 34748 140 low-income homes · 1 bd: 30 · 2 bd: 68 · 3 bd: 42 · In service since 2005 · For families
  • Silver Pointe at Leesburg Tax credit (LIHTC) 2400 Silver Pointe Cir, Leesburg 34748 138 low-income homes · 1 bd: 69 · 2 bd: 69 · In service since 2005 · For older adults
  • Lakeside Pointe Tax credit (LIHTC) 1403 Old Harbor Blvd, Leesburg 34748 128 low-income homes · 1 bd: 16 · 2 bd: 48 · 3 bd: 32 · 4 bd: 32 · In service since 2006 · For families
  • Lake Harris Cove Tax credit (LIHTC) 32511 Lake Harris Cove Ave, Leesburg 34788 152 homes, 116 low-income · 1 bd: 16 · 2 bd: 64 · 3 bd: 32 · 4 bd: 40 · In service since 2007 · For families
  • Laurel Oaks II Tax credit (LIHTC) 2631 Laurel Hollow Dr, Leesburg 34748 108 low-income homes · 2 bd: 56 · 3 bd: 36 · 4 bd: 16 · In service since 2008 · For families
  • Rolling Acres I Tax credit (LIHTC) 824 County Road 466, Lady Lake 32159 104 low-income homes · 1 bd: 4 · 2 bd: 18 · 3 bd: 30 · In service since 2008 · For families
  • Turtle Oaks Apartments HUD-assisted 2311 Griffin Rd, Leesburg 34748 101 low-income homes · For families · (352) 787-1990
  • Club at Eustis Village Tax credit (LIHTC) 2750 David Walker Dr, Eustis 32726 96 low-income homes · 1 bd: 16 · 3 bd: 64 · 4 bd: 16 · In service since 2007 · For families
  • Southwinds Cove Tax credit (LIHTC) 3400 Southwinds Cove Way, Leesburg 34748 112 homes, 90 low-income · 2 bd: 12 · 3 bd: 100 · In service since 2009 · For families
  • Oakwood Apartments HUD-assisted 550 Lincoln Ave, Mount Dora 32757 72 low-income homes · For families · (352) 383-4040
  • Spring Lake Cove I Tax credit (LIHTC) 1508 Spring Lake Cove Ln, Fruitland Park 34731 96 homes, 68 low-income · 2 bd: 48 · 3 bd: 48 · In service since 2008 · For families
  • Little Oaks Tax credit (LIHTC) · HUD-assisted 300 W Atwater Ave, Eustis 32726 68 low-income homes · 1 bd: 20 · 2 bd: 36 · 3 bd: 12 · In service since 2011 · For families · (352) 589-2515
  • Name Unknown Public housing 1105 Morin St, Eustis 32726 60 low-income homes · Run by Housing Authority of the City of Eustis · Average payment: $647 a month · Average wait: 20 months · Homes at several sites · (352) 357-4851
  • Spring Lake Cove II Tax credit (LIHTC) 1508 Spring Lake Cove Ln, Fruitland Park 34731 48 low-income homes · In service since 2008 · For families
  • Colony Court Tax credit (LIHTC) 801 Mount Homer Rd, Eustis 32726 46 low-income homes
  • The Franklin House HUD-assisted 2400 Kurt St, Eustis 32726 46 low-income homes · For older adults · (352) 483-1303
  • Orangewood Villas Tax credit (LIHTC) 220 E Collins St, Umatilla 32784 45 low-income homes
  • Caroline Court Apartments HUD-assisted 1000 E Caroline St, Tavares 32778 40 low-income homes · For older adults · (352) 343-1848
  • Little Turtle Apartments HUD-assisted 1350 Pamela St, Leesburg 34748 38 low-income homes · For families · (352) 787-1441
  • Greenleaf Village Tax credit (LIHTC) 162 Jim Payne Rd, Groveland 34736 37 low-income homes · 1 bd: 32 · 2 bd: 5 · In service since 1995 · For families
  • Rosemont Manor Tax credit (LIHTC) 1801 N County Road 19A, Eustis 32726 37 low-income homes · 1 bd: 18 · 2 bd: 19 · In service since 2019 · For families
  • Fruitland Acres Tax credit (LIHTC) 303 Urick St, Fruitland Park 34731 37 homes, 36 low-income · In service since 1994
  • Lakebreeze Tax credit (LIHTC) 1575 Merry RD, Tavares 32778 36 low-income homes · 1 bd: 30 · 2 bd: 6 · In service since 1994 · For families
  • Lakewood Villas of Lady Lake Tax credit (LIHTC) 306 S Old Dixie Hwy, Lady Lake 32159 36 low-income homes · In service since 1994
  • Rolling Acres II Tax credit (LIHTC) 824 County Road 466, Lady Lake 32159 35 low-income homes · 1 bd: 18 · 2 bd: 17 · In service since 2008 · For older adults, families
  • Pearl Lane Tax credit (LIHTC) 725 Umatilla Blvd, Umatilla 32784 34 low-income homes · In service since 2014 · For older adults, families
  • Sunny Hill Tax credit (LIHTC) 760 Pitt St, Clermont 34711 33 low-income homes · 1 bd: 8 · 2 bd: 23 · 3 bd: 2 · In service since 2006 · For families
  • Colonial Pines Tax credit (LIHTC) 895 Mansfield Rd, Tavares 32778 30 low-income homes · 2 bd: 24 · 3 bd: 6 · In service since 2019
  • Colony West Tax credit (LIHTC) 750 W Main St, Tavares 32778 18 low-income homes · 2 bd: 15 · 3 bd: 3 · In service since 1994 · For families
  • Care Diversified of Lake County HUD-assisted 1312 Sumter St, Leesburg 34748 12 low-income homes · For people with disabilities · (352) 787-0899
  • Lake Region Homes, Inc. HUD-assisted 2016 Tally Rd, Leesburg 34748 11 homes, 10 low-income · For people with disabilities · (352) 360-6622
  • Woodwinds Tax credit (LIHTC) 151 S Grand Hwy, Clermont 34711 96 homes · 1 bd: 24 · 2 bd: 48 · 3 bd: 24 · In service since 2019 · For families, people experiencing homelessness
  • Woodcliff Tax credit (LIHTC) 1000 Disston Ave, Clermont 34711 34 homes · 1 bd: 26 · 2 bd: 8 · In service since 2019 · For older adults, families

One property has two programs at the same address and appears once. Search HUD's map

Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.

Section 8

The Section 8 voucher in Lake County

The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 2 agencies serve in Lake County. Here is what the rules say:

The rules, with their source

  1. You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. HUD

  2. Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). 24 CFR §5.603, §982.201(b)

  3. Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). 24 CFR §982.201(b)(2)

  4. If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. 24 CFR §982.1(a)(3)

  5. When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. 24 CFR §982.508

  6. Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. 24 CFR §982.503(b), (c)

Mixed-status families: how assistance is figured
HUD income limits Yearly income of the whole family, before taxes.
People Extremely low (30%) Very low (50%) Low
$24,150 $40,250 $64,350
$27,600 $46,000 $73,550
$31,050 $51,750 $82,750
$34,450 $57,450 $91,900
$38,680 $62,050 $99,300
$44,360 $66,650 $106,650
$50,040 $71,250 $114,000
$55,720 $75,850 $121,350

Area median income: $97,600. HUD income limits by family size, Fiscal year 2026. Area: Orlando-Kissimmee-Sanford, FL MSA. Source: HUD, Fiscal year 2026

How much can you earn? Check your case

Possible payment standard

  • Studio $1,492 – $1,824
  • 1 bedroom $1,553 – $1,899
  • 2 bedrooms $1,763 – $2,155
  • 3 bedrooms $2,201 – $2,690
  • 4 bedrooms $2,570 – $3,142

The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.

Housing agencies that serve this place

Housing agencies in Florida Source: HUD, Retrieved November 6, 2026

Your rights as a tenant in Florida

What Florida law says about deposits, notices and eviction, with the citation for each rule.

See your rights, rule by rule

Compare these rules with other states →

A summary of state law, not legal advice. Cities may have additional rules.

When must they return my deposit?
15 days
Fla. Stat. §83.49(3)(a)
If I fall behind on rent, what notice must I get?
3 days
Fla. Stat. §83.56(3)
How much notice ends a month-to-month rental?
30 days
Fla. Stat. §83.57(3)
  • Only a court order can remove youFla. Stat. §83.67(2)
  • Protection from retaliationFla. Stat. §83.64

Help

Where to get help with rent in Lake County

These HUD-approved agencies have offices in Lake County. They counsel for free or at low cost.

  • Community Legal Services of Mid-Florida, Inc. - Tavares Office

    226 W Main St, Tavares · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

  • Homes in Partnership, Inc.

    1140 S Grove St, Eustis · Spanish

    • Budget and financial counseling
    • Workshops for new owners
    • and 3 more
    (407) 886-2451

Rental assistance programs

The ones that serve in Lake County or the whole state, with what each page says about being open.

See every agency in Florida Find legal aid (lsc.gov)

Tool

How much cash do you need to move in?

It starts with the 2-bedroom fair market rent in Lake County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.

Count power on top of the rent: in Florida, the average home bill was $156 a month in 2024 (EIA). See electricity and gas costs

Open the full tool

Your move

We use the place's fair market rent and the state's deposit rule.

Adjust advanced details
Deposit and rent in advance
The deposit, in

Let's do the math

Cash to move in

$3,918

What you need before you get the keys.

What adds up

First month
$1,959
Security deposit
$1,959
Total
$3,918

The deposit cap

Pick your state to see whether its law caps the deposit.

Compare each state's rules →

When you'll have it

Enter what you can set aside each month to see how long it takes.

What helps

  • Ask for a receipt for every payment and keep a copy of the lease.
  • On move-in day, walk through the home and take dated photos.
  • Never send money for a home you haven't seen or a lease you haven't read.
Guide: the security depositGuide: avoiding rental scamsFamily budgetHow much rent can I afford?

This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.

Guides

Before you sign

Frequently asked questions

What is the fair market rent in Lake County?

According to HUD (Fiscal year 2027): Studio: $1,658; 1 bedroom: $1,726; 2 bedrooms: $1,959; 3 bedrooms: $2,445; 4 bedrooms: $2,856. It covers rent plus basic utilities, except the phone.

How much do you need to earn to rent in Lake County?

Paying the 2-bedroom fair market rent ($1,959) without spending more than 30% of income takes $37.67 an hour full time, or $78,360 a year.

Who qualifies for Section 8 in Lake County?

Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $57,450 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.

How much does Section 8 pay in Lake County?

The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,763 and $2,155 a month. Your agency publishes its figure.

Does the fair market rent change by ZIP code in Lake County?

For 2 bedrooms they run from $1,370 in 32102 to $2,340 in 34715. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.

How many low-income apartments are there in Lake County?

HUD lists 41 properties with homes for low-income households in Lake County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.

How many households spend too much on rent in Lake County?

HUD counts rent as a burden when it reaches 30% of income or more. In Lake County, 59% of renter households are in that position; in Florida, 60%, and nationwide, 51% (Average 2020–2024, Census).