Renting · Section 8
Data from November 2026
Renting in Santa Rosa County, Florida
Santa Rosa County has a HUD fair market rent of $1,548 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,544 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $29.77 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,548
- a month, HUD, Fiscal year 2027
- 21% less than in Florida
- Typical rent
- $1,544
- a month, Census, Average 2020–2024
- 7% less than in Florida
- Wage needed
- $29.77
- an hour, 2 bedrooms
- Or $61,920 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 40%
- spend 30% or more of income on rent
- 33% less than in Florida
Only here
Renting in Santa Rosa County: what sets it apart
What this place has that others do not, from public data, most unusual first.
-
At $91,922, Santa Rosa County ranks 2nd among the 67 counties in Florida for the highest typical household income.
-
Nearby, in Holmes County, the typical rent is $844: 45% less than in Santa Rosa County ($1,544).
-
Santa Rosa County has the 3rd smallest share of rent-burdened renters of the 66 counties in Florida with this figure (40%).
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 Santa Rosa 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 Santa Rosa County was $1,975 a month in September 2026: 2.4% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $1,154 | $22.19 | $46,160 |
| 1 bedroom | $1,359 | $26.13 | $54,360 |
| 2 bedrooms | $1,548 | $29.77 | $61,920 |
| 3 bedrooms | $2,034 | $39.12 | $81,360 |
| 4 bedrooms | $2,435 | $46.83 | $97,400 |
HUD area: Pensacola-Ferry Pass-Brent, 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 9 ZIP codes in Santa Rosa County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,330 in 32565 to $2,170 in 32566. 7 ZIP codes are above the county's fair market rent ($1,548).
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)
| 32530 | Pensacola-Ferry Pass-Brent, FL | $1,160 | $1,360 | $1,550 | $2,040 | $2,440 |
|---|---|---|---|---|---|---|
| 32563 | Pensacola-Ferry Pass-Brent, FL | $1,510 | $1,780 | $2,030 | $2,670 | $3,190 |
| 32564 | Crestview-Fort Walton Beach-Destin, FL | $1,230 | $1,430 | $1,610 | $2,210 | $2,690 |
| 32564 | Pensacola-Ferry Pass-Brent, FL | $1,230 | $1,430 | $1,610 | $2,210 | $2,690 |
| 32565 | Pensacola-Ferry Pass-Brent, FL | $1,010 | $1,140 | $1,330 | $1,760 | $2,150 |
| 32566 | Pensacola-Ferry Pass-Brent, FL | $1,620 | $1,900 | $2,170 | $2,850 | $3,410 |
| 32570 | Pensacola-Ferry Pass-Brent, FL | $1,160 | $1,370 | $1,560 | $2,050 | $2,450 |
| 32571 | Pensacola-Ferry Pass-Brent, FL | $1,130 | $1,330 | $1,510 | $1,980 | $2,380 |
| 32583 | Pensacola-Ferry Pass-Brent, FL | $1,160 | $1,360 | $1,550 | $2,040 | $2,440 |
- 32530 · Pensacola-Ferry Pass-Brent, FL $1,550$2,040
- 32563 · Pensacola-Ferry Pass-Brent, FL $2,030$2,670
- 32564 · Crestview-Fort Walton Beach-Destin, FL $1,610$2,210
- 32564 · Pensacola-Ferry Pass-Brent, FL $1,610$2,210
- 32565 · Pensacola-Ferry Pass-Brent, FL $1,330$1,760
- 32566 · Pensacola-Ferry Pass-Brent, FL $2,170$2,850
- 32570 · Pensacola-Ferry Pass-Brent, FL $1,560$2,050
- 32571 · Pensacola-Ferry Pass-Brent, FL $1,510$1,980
- 32583 · Pensacola-Ferry Pass-Brent, FL $1,550$2,040
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Santa Rosa County, 40% 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.
40%
of renter households spend 30% or more of their income on rent.
14,074 households rent in Santa Rosa County
- Spend half or more of their income 18%
- Spend 30% or more, but less than half 23%
- Spend less than 30% 60%
Compared with the state and the country
- Santa Rosa 40%
- Florida 60%
- United States 51%
Low-income apartments
Low-income apartments in Santa Rosa County
HUD lists 6 properties with homes for low-income households in Santa Rosa 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)
- 4
- HUD-assisted
- 1
- public housing
- 1
408 homes in all; 314 of them low-income, according to HUD.
- Bell Ridge Tax credit (LIHTC) 4500 Pace Ln, Pace 32571 122 low-income homes · 1 bd: 18 · 2 bd: 62 · 3 bd: 42 · In service since 2007 · For families
- Magnolia Crossing Tax credit (LIHTC) 4312 Magnolia Crossing Cir, Pace 32571 56 low-income homes · 1 bd: 8 · 2 bd: 24 · 3 bd: 24 · In service since 2007 · For families
- Astor Village HUD-assisted 5194 Astor Village St, Milton 32570 50 low-income homes · For older adults · (850) 623-8216
- Bell Ridge II Tax credit (LIHTC) 4932 Bell Ridge Ln, Pace 32571 48 low-income homes · 2 bd: 24 · 3 bd: 24 · In service since 2007 · For families
- Parkwood Manor Public housing 5676 Byrom St, Milton 32570 39 homes, 38 low-income · Run by Milton Housing Authority · Average payment: $392 a month · Average wait: 62 months · (850) 623-8216
- Carter Crossing Tax credit (LIHTC) East of Glover Lane and Berryhill Road, Milton 32570 93 homes · 1 bd: 60 · 2 bd: 30 · In service since 2019 · For older adults, families
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 Santa Rosa County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 1 agency serves in Santa Rosa County. Here is what the rules say:
The rules, with their source
-
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. Source: HUD
-
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). Source: 24 CFR §5.603, §982.201(b)
-
Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
-
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. Source: 24 CFR §982.1(a)(3)
-
When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
-
Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $19,600 | $32,650 | $52,250 |
| 2 people | $22,400 | $37,300 | $59,700 |
| 3 people | $27,320 | $41,950 | $67,150 |
| 4 people | $33,000 | $46,600 | $74,600 |
| 5 people | $38,680 | $50,350 | $80,600 |
| 6 people | $44,360 | $54,100 | $86,550 |
| 7 people | $50,040 | $57,850 | $92,550 |
| 8 people | $55,720 | $61,550 | $98,500 |
Area median income: $92,800. HUD income limits by family size, Fiscal year 2026. Area: Pensacola-Ferry Pass-Brent, FL MSA. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $1,039 – $1,269
- 1 bedroom $1,223 – $1,495
- 2 bedrooms $1,393 – $1,703
- 3 bedrooms $1,831 – $2,237
- 4 bedrooms $2,192 – $2,679
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
- Milton Housing Authority Public housing and Section 8 vouchers · 348 vouchers · 38 public housing units (850) 623-8216 Milton Housing Authority: mhadonb@gmail.com
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 ruleCompare 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 Santa Rosa County
This is the nearest HUD-approved agency. They counsel for free or at low cost.
-
Community Enterprise Investments, Incorporated
302 North Barcelona St, Pensacola · 22 miles away
- Mortgage delinquency workshops
- Budget and financial counseling
- and 10 more
Rental assistance programs
The ones that serve in Santa Rosa County or the whole state, with what each page says about being open.
-
Florida Low-Income Home Energy Assistance Program (LIHEAP)
Run by FloridaCommerce
Help from the federal LIHEAP program in Florida that pays the electric or gas company directly, including past-due bills and reconnection
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Santa Rosa 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
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$3,096
What you need before you get the keys.
What adds up
- First month
- $1,548
- Security deposit
- $1,548
- Total
- $3,096
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.
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.
Frequently asked questions
What is the fair market rent in Santa Rosa County?
According to HUD (Fiscal year 2027): Studio: $1,154; 1 bedroom: $1,359; 2 bedrooms: $1,548; 3 bedrooms: $2,034; 4 bedrooms: $2,435. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Santa Rosa County?
Paying the 2-bedroom fair market rent ($1,548) without spending more than 30% of income takes $29.77 an hour full time, or $61,920 a year.
Who qualifies for Section 8 in Santa Rosa County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $46,600 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 Santa Rosa 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 $1,393 and $1,703 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Santa Rosa County?
For 2 bedrooms they run from $1,330 in 32565 to $2,170 in 32566. 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 Santa Rosa County?
HUD lists 6 properties with homes for low-income households in Santa Rosa 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 Santa Rosa County?
HUD counts rent as a burden when it reaches 30% of income or more. In Santa Rosa County, 40% of renter households are in that position; in Florida, 60%, and nationwide, 51% (Average 2020–2024, Census).