FY2027 Small Area FMR · O Neals, CA

ZIP 93645 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 93645 (O Neals, CA) is $1,680 a month, up 8.4% from FY2026. That is 15% above the Madera County, CA area-wide FMR of $1,460.

2-bedroom SAFMR$1,680per month ▲ 8.4%

Area-wide 2 BR FMR$1,460Madera County, CA

Rank in the area7thof 20 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,512

2 BR Small Area FMR$1,680

110% of SAFMR$1,848

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$1,440▲ 21.0%

1 BR$1,450▲ 20.8%

2 BR$1,680▲ 8.4%

3 BR$2,320▲ 7.4%

4 BR$2,780▲ 8.6%

FY2027 FY2026

Where 93645 sits in the Madera County, CA area

Of the 20 ZIP codes HUD lists for the area, 93645 has the 7th highest two-bedroom Small Area FMR. Madera County, 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 $1,460 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,680 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,440	$1,296 – $1,584	$1,264	$1,190
1 bedroom	$1,450	$1,305 – $1,595	$1,272	$1,200
2 bedrooms	$1,680	$1,512 – $1,848	$1,460	$1,550
3 bedrooms	$2,320	$2,088 – $2,552	$2,022	$2,160
4 bedrooms	$2,780	$2,502 – $3,058	$2,440	$2,560

A household renting a two-bedroom home at the Small Area FMR of $1,680 needs about $67,200 a year to keep housing costs at 30% of income. The area median family income is $82,200 and the 80% low-income limit for four people is $77,700. ZIP code 93645 lies mainly in Madera County. See the Madera County, CA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
93614	Coarsegold	6.4 mi	$1,870
93669	Wishon	8.9 mi	$1,470
93643	North Fork	9.6 mi	$1,320
93626	Friant	10.1 mi	$2,270
93644	Oakhurst	13.4 mi	$1,770
93651	Prather	14.2 mi	$2,330

Questions

What is the Fair Market Rent for ZIP code 93645?

HUD's FY2027 Small Area Fair Market Rents for 93645 are $1,440 (studio), $1,450 (1 BR), $1,680 (2 BR), $2,320 (3 BR) and $2,780 (4 BR) a month.

What is the Section 8 payment standard in 93645?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 93645 that range is $1,512 to $1,848 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 93645?

The FY2026 income limits of the Madera County, CA area apply: median family income $82,200, low-income (80%) limit $77,700 for a family of four.