FY2027 Small Area FMR · Oceano, CA
ZIP 93445 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 93445 (Oceano, CA) is $2,410 a month, up 9.5% from FY2026. That is 11% below the San Luis Obispo-Paso Robles, CA area-wide FMR of $2,720.
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 93445 sits in the San Luis Obispo-Paso Robles, CA area
Of the 41 ZIP codes HUD lists for the area, 93445 has the 38th highest two-bedroom Small Area FMR. San Luis Obispo-Paso Robles, 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 $2,720 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,410 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,660 | $1,494 – $1,826 | $1,894 | $1,510 |
| 1 bedroom | $1,840 | $1,656 – $2,024 | $2,079 | $1,670 |
| 2 bedrooms | $2,410 | $2,169 – $2,651 | $2,720 | $2,200 |
| 3 bedrooms | $3,230 | $2,907 – $3,553 | $3,634 | $2,930 |
| 4 bedrooms | $3,700 | $3,330 – $4,070 | $4,208 | $3,320 |
A household renting a two-bedroom home at the Small Area FMR of $2,410 needs about $96,400 a year to keep housing costs at 30% of income. The area median family income is $129,600 and the 80% low-income limit for four people is $122,400. ZIP code 93445 lies mainly in San Luis Obispo County. See the San Luis Obispo-Paso Robles, 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 93445?
HUD's FY2027 Small Area Fair Market Rents for 93445 are $1,660 (studio), $1,840 (1 BR), $2,410 (2 BR), $3,230 (3 BR) and $3,700 (4 BR) a month.
What is the Section 8 payment standard in 93445?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 93445 that range is $2,169 to $2,651 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 93445?
The FY2026 income limits of the San Luis Obispo-Paso Robles, CA area apply: median family income $129,600, low-income (80%) limit $122,400 for a family of four.