FY2027 Small Area FMR · Concord, CA

ZIP 94521 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 94521 (Concord, CA) is $2,830 a month, down 4.1% from FY2026. That is 1% above the Oakland-Fremont, CA area-wide FMR of $2,805.

2-bedroom SAFMR$2,830per month ▼ 4.1%

Area-wide 2 BR FMR$2,805Oakland-Fremont, CA

Rank in the area52ndof 115 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,547

2 BR Small Area FMR$2,830

110% of SAFMR$3,113

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

Studio$2,110▼ 2.8%

1 BR$2,310▼ 4.5%

2 BR$2,830▼ 4.1%

3 BR$3,620▼ 4.0%

4 BR$4,290▼ 4.0%

FY2027 FY2026

Where 94521 sits in the Oakland-Fremont, CA area

Of the 115 ZIP codes HUD lists for the area, 94521 has the 52nd highest two-bedroom Small Area FMR. Oakland-Fremont, 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 $2,805 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,830 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	$2,110	$1,899 – $2,321	$2,088	$2,170
1 bedroom	$2,310	$2,079 – $2,541	$2,290	$2,420
2 bedrooms	$2,830	$2,547 – $3,113	$2,805	$2,950
3 bedrooms	$3,620	$3,258 – $3,982	$3,592	$3,770
4 bedrooms	$4,290	$3,861 – $4,719	$4,250	$4,470

A household renting a two-bedroom home at the Small Area FMR of $2,830 needs about $113,200 a year to keep housing costs at 30% of income. The area median family income is $162,800 and the 80% low-income limit for four people is $135,750. ZIP code 94521 lies mainly in Contra Costa County. See the Oakland-Fremont, CA metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
94518	Concord	3.6 mi	$2,730
94519	Concord	3.8 mi	$2,780
94598	Walnut Creek	4.5 mi	$3,630
94565	Pittsburg	4.9 mi	$2,630
94520	Concord	5.4 mi	$2,640
94517	Clayton	5.9 mi	$3,260

Questions

What is the Fair Market Rent for ZIP code 94521?

HUD's FY2027 Small Area Fair Market Rents for 94521 are $2,110 (studio), $2,310 (1 BR), $2,830 (2 BR), $3,620 (3 BR) and $4,290 (4 BR) a month.

What is the Section 8 payment standard in 94521?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 94521 that range is $2,547 to $3,113 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 94521?

The FY2026 income limits of the Oakland-Fremont, CA area apply: median family income $162,800, low-income (80%) limit $135,750 for a family of four.