FY2027 Small Area FMR · Thermal, CA
ZIP 92274 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 92274 (Thermal, CA) is $1,990 a month, down 4.3% from FY2026. That is 48% above the El Centro, CA area-wide FMR of $1,347.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 92274 sits in the El Centro, CA area
Of the 20 ZIP codes HUD lists for the area, 92274 has the 1st highest two-bedroom Small Area FMR. El Centro, CA is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $1,347 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,990 for this ZIP code instead.
ZIP code 92274 crosses more than one HUD area. HUD also lists it under Riverside-San Bernardino-Ontario, CA (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,530 | $1,377 – $1,683 | $938 | $1,600 |
| 1 bedroom | $1,600 | $1,440 – $1,760 | $1,030 | $1,670 |
| 2 bedrooms | $1,990 | $1,791 – $2,189 | $1,347 | $2,080 |
| 3 bedrooms | $2,630 | $2,367 – $2,893 | $1,819 | $2,780 |
| 4 bedrooms | $3,170 | $2,853 – $3,487 | $2,251 | $3,380 |
A household renting a two-bedroom home at the Small Area FMR of $1,990 needs about $79,600 a year to keep housing costs at 30% of income. The area median family income is $75,500 and the 80% low-income limit for four people is $77,700. ZIP code 92274 lies mainly in Riverside County and Imperial County. See the El Centro, CA county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 92274?
HUD's FY2027 Small Area Fair Market Rents for 92274 are $1,530 (studio), $1,600 (1 BR), $1,990 (2 BR), $2,630 (3 BR) and $3,170 (4 BR) a month.
What is the Section 8 payment standard in 92274?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 92274 that range is $1,791 to $2,189 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 92274?
The FY2026 income limits of the El Centro, CA area apply: median family income $75,500, low-income (80%) limit $77,700 for a family of four.