FY2027 Small Area FMR · Hayward, CA

ZIP 94545 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 94545 (Hayward, CA) is $2,930 a month, down 4.2% from FY2026. That is 4% above the Oakland-Fremont, CA area-wide FMR of $2,805.

2-bedroom SAFMR$2,930per month ▼ 4.2%

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

Rank in the area47thof 115 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,637

2 BR Small Area FMR$2,930

110% of SAFMR$3,223

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

Studio$2,180▼ 3.1%

1 BR$2,390▼ 4.8%

2 BR$2,930▼ 4.2%

3 BR$3,750▼ 4.1%

4 BR$4,440▼ 4.3%

FY2027 FY2026

Where 94545 sits in the Oakland-Fremont, CA area

Of the 115 ZIP codes HUD lists for the area, 94545 has the 47th 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 $2,930 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	$2,180	$1,962 – $2,398	$2,088	$2,250
1 bedroom	$2,390	$2,151 – $2,629	$2,290	$2,510
2 bedrooms	$2,930	$2,637 – $3,223	$2,805	$3,060
3 bedrooms	$3,750	$3,375 – $4,125	$3,592	$3,910
4 bedrooms	$4,440	$3,996 – $4,884	$4,250	$4,640

A household renting a two-bedroom home at the Small Area FMR of $2,930 needs about $117,200 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 94545 lies mainly in Alameda 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
94544	Hayward	4.3 mi	$2,800
94555	Fremont	4.3 mi	$3,830
94580	San Lorenzo	4.8 mi	$2,670
94541	Hayward	5.2 mi	$2,770
94579	San Leandro	5.8 mi	$2,630
94587	Union City	5.9 mi	$3,070

Questions

What is the Fair Market Rent for ZIP code 94545?

HUD's FY2027 Small Area Fair Market Rents for 94545 are $2,180 (studio), $2,390 (1 BR), $2,930 (2 BR), $3,750 (3 BR) and $4,440 (4 BR) a month.

What is the Section 8 payment standard in 94545?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 94545 that range is $2,637 to $3,223 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 94545?

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.