HUD data

Difficult Development Areas in Florida (2026)

HUD's Florida DDA designations — metro SDDA ZIP codes and non-metro counties where costs run high against local incomes. Each qualifies for LIHTC's 30% basis boost.
Total DDAs
419
Metro SDDA ZIPs
405
Non-Metro county DDAs
14

Non-metro county DDAs

CountyDDA code
Franklin CountyNCNTY12037N12037
Columbia CountyNCNTY12023N12023
Suwannee CountyNCNTY12121N12121
Gulf CountyNCNTY12045N12045
Dixie CountyNCNTY12029N12029
Okeechobee CountyNCNTY12093N12093
Putnam CountyNCNTY12107N12107
Monroe CountyNCNTY12087N12087
DeSoto CountyNCNTY12027N12027
Madison CountyNCNTY12079N12079
Lafayette CountyNCNTY12067N12067
Hardee CountyNCNTY12049N12049
Hendry CountyNCNTY12051N12051
Glades CountyNCNTY12043N12043

Metro SDDA ZIP codes

ZIPMetro area
32003Jacksonville, FL HUD Metro FMR Area
32033Jacksonville, FL HUD Metro FMR Area
32065Jacksonville, FL HUD Metro FMR Area
32079Jacksonville, FL HUD Metro FMR Area
32080Jacksonville, FL HUD Metro FMR Area
32081Jacksonville, FL HUD Metro FMR Area
32082Jacksonville, FL HUD Metro FMR Area
32092Jacksonville, FL HUD Metro FMR Area
32097Jacksonville, FL HUD Metro FMR Area
32119Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32124Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32127Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32128Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32129Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32130Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32137Palm Coast, FL HUD Metro FMR Area
32141Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32162Ocala, FL MSA
32162Wildwood-The Villages, FL MSA
32163Orlando-Kissimmee-Sanford, FL MSA
32163Wildwood-The Villages, FL MSA
32168Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32169Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32176Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32212Jacksonville, FL HUD Metro FMR Area
32221Jacksonville, FL HUD Metro FMR Area
32222Jacksonville, FL HUD Metro FMR Area
32223Jacksonville, FL HUD Metro FMR Area
32224Jacksonville, FL HUD Metro FMR Area
32225Jacksonville, FL HUD Metro FMR Area
32226Jacksonville, FL HUD Metro FMR Area
32227Jacksonville, FL HUD Metro FMR Area
32228Jacksonville, FL HUD Metro FMR Area
32246Jacksonville, FL HUD Metro FMR Area
32250Jacksonville, FL HUD Metro FMR Area
32256Jacksonville, FL HUD Metro FMR Area
32258Jacksonville, FL HUD Metro FMR Area
32259Jacksonville, FL HUD Metro FMR Area
32266Jacksonville, FL HUD Metro FMR Area
32346Wakulla County, FL HUD Metro FMR Area
32403Panama City, FL HUD Metro FMR Area
32407Panama City, FL HUD Metro FMR Area
32410Panama City, FL HUD Metro FMR Area
32444Panama City, FL HUD Metro FMR Area
32461Walton County, FL HUD Metro FMR Area
32466Washington County, FL HUD Metro FMR Area
32508Pensacola-Ferry Pass-Brent, FL MSA
32541Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area
32542Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area
32544Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area
32550Walton County, FL HUD Metro FMR Area
32561Pensacola-Ferry Pass-Brent, FL MSA
32563Pensacola-Ferry Pass-Brent, FL MSA
32566Pensacola-Ferry Pass-Brent, FL MSA
32578Walton County, FL HUD Metro FMR Area
32606Gainesville, FL HUD Metro FMR Area
32669Levy County, FL HUD Metro FMR Area
32708Orlando-Kissimmee-Sanford, FL MSA
32712Orlando-Kissimmee-Sanford, FL MSA
32713Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32714Orlando-Kissimmee-Sanford, FL MSA
32725Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32732Orlando-Kissimmee-Sanford, FL MSA
32735Orlando-Kissimmee-Sanford, FL MSA
32738Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32746Orlando-Kissimmee-Sanford, FL MSA
32751Orlando-Kissimmee-Sanford, FL MSA
32763Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32764Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area
32765Orlando-Kissimmee-Sanford, FL MSA
32766Orlando-Kissimmee-Sanford, FL MSA
32779Orlando-Kissimmee-Sanford, FL MSA
32789Orlando-Kissimmee-Sanford, FL MSA
32792Orlando-Kissimmee-Sanford, FL MSA
32801Orlando-Kissimmee-Sanford, FL MSA
32803Orlando-Kissimmee-Sanford, FL MSA
32804Orlando-Kissimmee-Sanford, FL MSA
32814Orlando-Kissimmee-Sanford, FL MSA
32817Orlando-Kissimmee-Sanford, FL MSA
32819Orlando-Kissimmee-Sanford, FL MSA
32820Orlando-Kissimmee-Sanford, FL MSA
32821Orlando-Kissimmee-Sanford, FL MSA
32824Orlando-Kissimmee-Sanford, FL MSA
32825Orlando-Kissimmee-Sanford, FL MSA
32827Orlando-Kissimmee-Sanford, FL MSA
32828Orlando-Kissimmee-Sanford, FL MSA
32829Orlando-Kissimmee-Sanford, FL MSA
32831Orlando-Kissimmee-Sanford, FL MSA
32832Orlando-Kissimmee-Sanford, FL MSA
32835Orlando-Kissimmee-Sanford, FL MSA
32836Orlando-Kissimmee-Sanford, FL MSA
32837Orlando-Kissimmee-Sanford, FL MSA
32903Palm Bay-Melbourne-Titusville, FL MSA
32904Palm Bay-Melbourne-Titusville, FL MSA
32925Palm Bay-Melbourne-Titusville, FL MSA
32934Palm Bay-Melbourne-Titusville, FL MSA
32937Palm Bay-Melbourne-Titusville, FL MSA
32940Palm Bay-Melbourne-Titusville, FL MSA
32950Palm Bay-Melbourne-Titusville, FL MSA
32951Palm Bay-Melbourne-Titusville, FL MSA
32955Palm Bay-Melbourne-Titusville, FL MSA
32958Sebastian-Vero Beach-West Vero Corridor, FL MSA
32963Sebastian-Vero Beach-West Vero Corridor, FL MSA
32968Sebastian-Vero Beach-West Vero Corridor, FL MSA
33004Fort Lauderdale, FL HUD Metro FMR Area
33009Fort Lauderdale, FL HUD Metro FMR Area
33014Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33015Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33016Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33018Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33019Fort Lauderdale, FL HUD Metro FMR Area
33020Fort Lauderdale, FL HUD Metro FMR Area
33021Fort Lauderdale, FL HUD Metro FMR Area
33024Fort Lauderdale, FL HUD Metro FMR Area
33025Fort Lauderdale, FL HUD Metro FMR Area
33026Fort Lauderdale, FL HUD Metro FMR Area
33027Fort Lauderdale, FL HUD Metro FMR Area
33028Fort Lauderdale, FL HUD Metro FMR Area
33029Fort Lauderdale, FL HUD Metro FMR Area
33035Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33062Fort Lauderdale, FL HUD Metro FMR Area
33063Fort Lauderdale, FL HUD Metro FMR Area
33064Fort Lauderdale, FL HUD Metro FMR Area
33065Fort Lauderdale, FL HUD Metro FMR Area
33066Fort Lauderdale, FL HUD Metro FMR Area
33067Fort Lauderdale, FL HUD Metro FMR Area
33068Fort Lauderdale, FL HUD Metro FMR Area
33069Fort Lauderdale, FL HUD Metro FMR Area
33071Fort Lauderdale, FL HUD Metro FMR Area
33073Fort Lauderdale, FL HUD Metro FMR Area
33076Fort Lauderdale, FL HUD Metro FMR Area
33109Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33122Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33126Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33129Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33130Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33131Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33132Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33133Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33134Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33137Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33139Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33140Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33141Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33143Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33144Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33145Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33146Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33149Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33154Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33155Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33156Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33158Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33160Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33165Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33166Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33172Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33173Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33175Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33176Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33177Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33178Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33180Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33182Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33183Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33184Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33185Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33186Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33187Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33190Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33193Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33194Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33196Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
33301Fort Lauderdale, FL HUD Metro FMR Area
33304Fort Lauderdale, FL HUD Metro FMR Area
33305Fort Lauderdale, FL HUD Metro FMR Area
33308Fort Lauderdale, FL HUD Metro FMR Area
33309Fort Lauderdale, FL HUD Metro FMR Area
33312Fort Lauderdale, FL HUD Metro FMR Area
33313Fort Lauderdale, FL HUD Metro FMR Area
33314Fort Lauderdale, FL HUD Metro FMR Area
33315Fort Lauderdale, FL HUD Metro FMR Area
33316Fort Lauderdale, FL HUD Metro FMR Area
33317Fort Lauderdale, FL HUD Metro FMR Area
33319Fort Lauderdale, FL HUD Metro FMR Area
33321Fort Lauderdale, FL HUD Metro FMR Area
33322Fort Lauderdale, FL HUD Metro FMR Area
33323Fort Lauderdale, FL HUD Metro FMR Area
33324Fort Lauderdale, FL HUD Metro FMR Area
33325Fort Lauderdale, FL HUD Metro FMR Area
33326Fort Lauderdale, FL HUD Metro FMR Area
33327Fort Lauderdale, FL HUD Metro FMR Area
33328Fort Lauderdale, FL HUD Metro FMR Area
33330Fort Lauderdale, FL HUD Metro FMR Area
33331Fort Lauderdale, FL HUD Metro FMR Area
33332Fort Lauderdale, FL HUD Metro FMR Area
33334Fort Lauderdale, FL HUD Metro FMR Area
33351Fort Lauderdale, FL HUD Metro FMR Area
33408West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33410West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33411West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33412West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33413West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33414West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33418West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33426West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33428West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33431West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33432West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33433West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33435West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33436West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33437West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33441Fort Lauderdale, FL HUD Metro FMR Area
33442Fort Lauderdale, FL HUD Metro FMR Area
33444West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33445West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33449West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33458West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33458Port St. Lucie, FL MSA
33469West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33469Port St. Lucie, FL MSA
33470West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33472West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33473West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33477West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33478West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33478Port St. Lucie, FL MSA
33480West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33483West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33486West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33487West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33496West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33498West Palm Beach-Boca Raton, FL HUD Metro FMR Area
33503Tampa-St. Petersburg-Clearwater, FL MSA
33511Tampa-St. Petersburg-Clearwater, FL MSA
33543Tampa-St. Petersburg-Clearwater, FL MSA
33544Tampa-St. Petersburg-Clearwater, FL MSA
33545Tampa-St. Petersburg-Clearwater, FL MSA
33547Lakeland-Winter Haven, FL MSA
33547Tampa-St. Petersburg-Clearwater, FL MSA
33548Tampa-St. Petersburg-Clearwater, FL MSA
33549Tampa-St. Petersburg-Clearwater, FL MSA
33556Tampa-St. Petersburg-Clearwater, FL MSA
33559Tampa-St. Petersburg-Clearwater, FL MSA
33569Tampa-St. Petersburg-Clearwater, FL MSA
33572Tampa-St. Petersburg-Clearwater, FL MSA
33573Tampa-St. Petersburg-Clearwater, FL MSA
33578Tampa-St. Petersburg-Clearwater, FL MSA
33579Tampa-St. Petersburg-Clearwater, FL MSA
33594Tampa-St. Petersburg-Clearwater, FL MSA
33596Tampa-St. Petersburg-Clearwater, FL MSA
33602Tampa-St. Petersburg-Clearwater, FL MSA
33606Tampa-St. Petersburg-Clearwater, FL MSA
33607Tampa-St. Petersburg-Clearwater, FL MSA
33609Tampa-St. Petersburg-Clearwater, FL MSA
33611Tampa-St. Petersburg-Clearwater, FL MSA
33614Tampa-St. Petersburg-Clearwater, FL MSA
33615Tampa-St. Petersburg-Clearwater, FL MSA
33616Tampa-St. Petersburg-Clearwater, FL MSA
33617Tampa-St. Petersburg-Clearwater, FL MSA
33619Tampa-St. Petersburg-Clearwater, FL MSA
33621Tampa-St. Petersburg-Clearwater, FL MSA
33624Tampa-St. Petersburg-Clearwater, FL MSA
33625Tampa-St. Petersburg-Clearwater, FL MSA
33626Tampa-St. Petersburg-Clearwater, FL MSA
33629Tampa-St. Petersburg-Clearwater, FL MSA
33634Tampa-St. Petersburg-Clearwater, FL MSA
33635Tampa-St. Petersburg-Clearwater, FL MSA
33637Tampa-St. Petersburg-Clearwater, FL MSA
33647Tampa-St. Petersburg-Clearwater, FL MSA
33701Tampa-St. Petersburg-Clearwater, FL MSA
33702Tampa-St. Petersburg-Clearwater, FL MSA
33703Tampa-St. Petersburg-Clearwater, FL MSA
33705Tampa-St. Petersburg-Clearwater, FL MSA
33706Tampa-St. Petersburg-Clearwater, FL MSA
33708Tampa-St. Petersburg-Clearwater, FL MSA
33710Tampa-St. Petersburg-Clearwater, FL MSA
33711Tampa-St. Petersburg-Clearwater, FL MSA
33712Tampa-St. Petersburg-Clearwater, FL MSA
33715Tampa-St. Petersburg-Clearwater, FL MSA
33716Tampa-St. Petersburg-Clearwater, FL MSA
33759Tampa-St. Petersburg-Clearwater, FL MSA
33760Tampa-St. Petersburg-Clearwater, FL MSA
33761Tampa-St. Petersburg-Clearwater, FL MSA
33762Tampa-St. Petersburg-Clearwater, FL MSA
33764Tampa-St. Petersburg-Clearwater, FL MSA
33765Tampa-St. Petersburg-Clearwater, FL MSA
33767Tampa-St. Petersburg-Clearwater, FL MSA
33772Tampa-St. Petersburg-Clearwater, FL MSA
33773Tampa-St. Petersburg-Clearwater, FL MSA
33776Tampa-St. Petersburg-Clearwater, FL MSA
33777Tampa-St. Petersburg-Clearwater, FL MSA
33778Tampa-St. Petersburg-Clearwater, FL MSA
33782Tampa-St. Petersburg-Clearwater, FL MSA
33785Tampa-St. Petersburg-Clearwater, FL MSA
33786Tampa-St. Petersburg-Clearwater, FL MSA
33812Lakeland-Winter Haven, FL MSA
33813Lakeland-Winter Haven, FL MSA
33827Lakeland-Winter Haven, FL MSA
33837Lakeland-Winter Haven, FL MSA
33872Sebring, FL MSA
33896Lakeland-Winter Haven, FL MSA
33896Orlando-Kissimmee-Sanford, FL MSA
33897Lakeland-Winter Haven, FL MSA
33897Orlando-Kissimmee-Sanford, FL MSA
33908Cape Coral-Fort Myers, FL MSA
33909Cape Coral-Fort Myers, FL MSA
33912Cape Coral-Fort Myers, FL MSA
33913Cape Coral-Fort Myers, FL MSA
33914Cape Coral-Fort Myers, FL MSA
33921Punta Gorda, FL MSA
33924Cape Coral-Fort Myers, FL MSA
33928Cape Coral-Fort Myers, FL MSA
33953Punta Gorda, FL MSA
33954Punta Gorda, FL MSA
33955Punta Gorda, FL MSA
33956Cape Coral-Fort Myers, FL MSA
33957Cape Coral-Fort Myers, FL MSA
33965Cape Coral-Fort Myers, FL MSA
33966Cape Coral-Fort Myers, FL MSA
33967Cape Coral-Fort Myers, FL MSA
33971Cape Coral-Fort Myers, FL MSA
33974Cape Coral-Fort Myers, FL MSA
33976Cape Coral-Fort Myers, FL MSA
33981Punta Gorda, FL MSA
33990Cape Coral-Fort Myers, FL MSA
33991Cape Coral-Fort Myers, FL MSA
33993Cape Coral-Fort Myers, FL MSA
34105Naples-Marco Island, FL MSA
34108Naples-Marco Island, FL MSA
34110Cape Coral-Fort Myers, FL MSA
34110Naples-Marco Island, FL MSA
34119Cape Coral-Fort Myers, FL MSA
34120Naples-Marco Island, FL MSA
34134Cape Coral-Fort Myers, FL MSA
34135Cape Coral-Fort Myers, FL MSA
34140Naples-Marco Island, FL MSA
34145Naples-Marco Island, FL MSA
34201North Port-Bradenton-Sarasota, FL MSA
34202North Port-Bradenton-Sarasota, FL MSA
34211North Port-Bradenton-Sarasota, FL MSA
34212North Port-Bradenton-Sarasota, FL MSA
34219North Port-Bradenton-Sarasota, FL MSA
34228North Port-Bradenton-Sarasota, FL MSA
34229North Port-Bradenton-Sarasota, FL MSA
34232North Port-Bradenton-Sarasota, FL MSA
34233North Port-Bradenton-Sarasota, FL MSA
34235North Port-Bradenton-Sarasota, FL MSA
34236North Port-Bradenton-Sarasota, FL MSA
34238North Port-Bradenton-Sarasota, FL MSA
34240North Port-Bradenton-Sarasota, FL MSA
34241North Port-Bradenton-Sarasota, FL MSA
34242North Port-Bradenton-Sarasota, FL MSA
34243North Port-Bradenton-Sarasota, FL MSA
34251North Port-Bradenton-Sarasota, FL MSA
34286North Port-Bradenton-Sarasota, FL MSA
34288North Port-Bradenton-Sarasota, FL MSA
34291North Port-Bradenton-Sarasota, FL MSA
34292North Port-Bradenton-Sarasota, FL MSA
34293North Port-Bradenton-Sarasota, FL MSA
34433Homosassa Springs, FL MSA
34434Homosassa Springs, FL MSA
34473Ocala, FL MSA
34474Ocala, FL MSA
34609Tampa-St. Petersburg-Clearwater, FL MSA
34637Tampa-St. Petersburg-Clearwater, FL MSA
34638Tampa-St. Petersburg-Clearwater, FL MSA
34639Tampa-St. Petersburg-Clearwater, FL MSA
34654Tampa-St. Petersburg-Clearwater, FL MSA
34655Tampa-St. Petersburg-Clearwater, FL MSA
34677Tampa-St. Petersburg-Clearwater, FL MSA
34681Tampa-St. Petersburg-Clearwater, FL MSA
34683Tampa-St. Petersburg-Clearwater, FL MSA
34684Tampa-St. Petersburg-Clearwater, FL MSA
34685Tampa-St. Petersburg-Clearwater, FL MSA
34688Tampa-St. Petersburg-Clearwater, FL MSA
34695Tampa-St. Petersburg-Clearwater, FL MSA
34711Orlando-Kissimmee-Sanford, FL MSA
34714Lakeland-Winter Haven, FL MSA
34714Orlando-Kissimmee-Sanford, FL MSA
34715Orlando-Kissimmee-Sanford, FL MSA
34729Orlando-Kissimmee-Sanford, FL MSA
34734Orlando-Kissimmee-Sanford, FL MSA
34736Orlando-Kissimmee-Sanford, FL MSA
34737Orlando-Kissimmee-Sanford, FL MSA
34743Orlando-Kissimmee-Sanford, FL MSA
34746Orlando-Kissimmee-Sanford, FL MSA
34747Orlando-Kissimmee-Sanford, FL MSA
34758Orlando-Kissimmee-Sanford, FL MSA
34759Lakeland-Winter Haven, FL MSA
34760Orlando-Kissimmee-Sanford, FL MSA
34761Orlando-Kissimmee-Sanford, FL MSA
34772Orlando-Kissimmee-Sanford, FL MSA
34773Orlando-Kissimmee-Sanford, FL MSA
34786Orlando-Kissimmee-Sanford, FL MSA
34787Orlando-Kissimmee-Sanford, FL MSA
34797Orlando-Kissimmee-Sanford, FL MSA
34952Port St. Lucie, FL MSA
34953Port St. Lucie, FL MSA
34983Port St. Lucie, FL MSA
34984Port St. Lucie, FL MSA
34986Port St. Lucie, FL MSA
34987Port St. Lucie, FL MSA
34990Port St. Lucie, FL MSA

What is a Difficult Development Area?

HUD designates a metro ZIP code (SDDA) or non-metro county as a DDA when its Fair Market Rent or construction costs are high relative to area median income. New LIHTC construction in a DDA qualifies for a 130% qualified basis — the same 30% boost QCTs receive. For Florida investors, DDA and QCT overlays together map where affordable-housing capital is flowing hardest.

Florida Difficult Development Areas — FAQs

What is a Difficult Development Area in Florida?

A Difficult Development Area (DDA) is a HUD-designated metro ZIP code or non-metro county where land, construction, and utility costs are high relative to Area Median Income. HUD republishes the Florida list annually.

What is the LIHTC basis boost for a DDA?

A LIHTC project in a designated DDA may qualify for a 30% increase in eligible basis — the same boost available in a Qualified Census Tract — which raises the credit amount the project can claim.

What is the difference between an SDDA and a non-metro DDA?

Small Area DDAs (SDDAs) are designated at the ZIP-code level inside metro areas, so one Florida metro can contain both designated and undesignated ZIPs. Non-metro DDAs are designated at the county level.

How do DDAs affect an investor buying a rental?

DDA status signals a high-cost submarket relative to local incomes, which usually means higher purchase prices and construction budgets. It does not change loan eligibility on its own; business-purpose financing is underwritten on the property's economics and lender guidelines.

Local market news & updates

What the latest published data says about Florida

Every update below is a published figure from a named federal source, shown with the exact period that source covers. Where a dataset is only produced at county or state level, it is labelled that way rather than presented as city data. These are market statistics for informational purposes only — they are not rates, loan terms, or an offer of credit.

  • State dataData through ACS estimates, ACS 5-Year 2023

    Florida housing costs — ACS estimates, ACS 5-Year 2023

    The most recent published Census reading for Florida shows a median owner-occupied home value of $325,000, a median gross rent of $1,564 per month. These are survey estimates for the period shown, not live listing prices, and they are the starting point investors use to sanity-check a rent assumption before underwriting a DSCR file.

    Source: U.S. Census Bureau, American Community Survey

  • State dataData through ACS estimates, ACS 5-Year 2023

    Florida renter demand indicators — ACS estimates, ACS 5-Year 2023

    Census reports a population of 21,928,881, a median household income of $71,711, a rental vacancy estimate of 15.2% for Florida. Income and vacancy set the practical ceiling on achievable rent, which is what a DSCR calculation is ultimately built on.

    Source: U.S. Census Bureau, American Community Survey

Source periods represented above: ACS estimates, ACS 5-Year 2023. Each figure updates only when its publisher releases a new period — we never restamp an older reading with a newer date.

Informational market data only. Nothing in this section is a rate, an annual percentage rate, a payment, a loan term, an approval, or an offer or commitment to lend. Citing a federal dataset does not imply the agency endorses, sponsors or is affiliated with Simply Approved Mortgages LLC (NMLS #2620881). Financing referenced on this page is business-purpose investment property financing.

DDA project in Florida?

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Simply Approved Mortgages Expert Insight
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How We Evaluate This Scenario

A DSCR file is judged on the property, not your tax returns: qualifying rent divided by PITIA — principal, interest, taxes, insurance, plus HOA and flood where they apply. Most programs use the lesser of the in-place lease rent and the appraiser's market rent, so a lease signed below market usually caps the ratio no matter how strong the comps look.

Three inputs move the outcome more than anything else: rent support on the appraiser's rent schedule (Form 1007 or 1025), the LTV tier, and the credit tier. Dropping leverage by five points or moving up a FICO band frequently changes pricing more than shopping a different lender does.

Before you write an offer, price taxes and insurance at post-sale levels rather than the seller's current bill. In reassess-on-transfer states and in coastal insurance markets, that single adjustment is the most common reason a deal that penciled at contract fails the ratio at underwriting.

Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.

Investor pre-approval

Get your personalized investor loan quote

Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.

Pick a loan type

You can change this any time.

Tell us about your scenario

The form below is tailored to DSCR rental loan — only the questions your program needs.

1
Your info
2
Your deal
Your deal — the basics

Purchase or refinance a rental. The property's rent qualifies the loan.

What's your goal?
Purchase price ($)$450,000
$
Down payment (%)20%
%
Monthly rent ($)$2,800
$
HUD Fair Market Rent for your ZIP — ballpark only. Get a precise market rent after you submit.
Estimated credit rating

A soft self-estimate — no credit pull happens here.

This is a pre-qualification request — not a loan application under TILA/RESPA and not a loan approval, rate lock, offer, or commitment to lend. It does not trigger a Loan Estimate. If your loan requires one, the Loan Estimate is issued inside our loan origination system after you submit a complete application and your loan officer has reviewed your scenario.

Encrypted and never sold. Takes about 60 seconds.

Your answers save as you go. A licensed loan officer typically follows up the same business day · Simply Approved Mortgages LLC, NMLS #2620881.

Credit & pre-approval

Why we pull credit for your investor loan pre-approval

Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.

Pay for your credit report — SmartPay

Simply Approved Mortgages uses MeridianLink SmartPay to securely collect the credit report fee for your investor pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks your tri-merge report (Equifax, Experian, TransUnion) so your loan officer can price your file.

  • Secure, PCI-compliant checkout hosted by MeridianLink
  • Required for a formal investor pre-approval decision
  • Soft-touch process — your loan officer will guide you through it
Pay for credit report securely

You'll be redirected to cic.cra.xedalink.net (SmartPay).

Check your credit first — $1 trial at MyITINCredit

Before you apply, it's smart to know exactly where your credit stands. MyITINCredit offers a $1 trial for 15 days that includes all three credit reports and scores (Equifax, Experian, TransUnion), plus ongoing credit monitoring so you can catch errors, dispute inaccuracies, and watch for identity theft.

  • See all 3 bureau reports & scores before your lender does
  • Ongoing monitoring alerts you to new accounts or score changes
  • Fix errors early — cleaner credit can widen your investor loan options
Start $1 / 15-day trial

You'll be redirected to myitincredit.com. Third-party service — terms apply.

Credit report fees are paid directly to the credit vendor. Simply Approved Mortgages does not profit from the credit pull. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.

Investor newsletter

Rates, market shifts, and program changes — in your inbox.

Periodic investor updates: rate movement, guideline and program changes, and market data refreshes. No spam, unsubscribe anytime.

  • DSCR rate snapshots
  • Program & guideline updates
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  • Market data notes
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Investor newsletter

Periodic DSCR rate updates, market data refreshes, and program changes. No spam, and we never sell your address.

I agree to receive periodic investor market and program update emails from Simply Approved Mortgages LLC. I can unsubscribe at any time. Submitting this form records your consent and the page you signed up from. It is not a loan inquiry and does not start an application.