FY2027 Small Area FMR · Napa, CA
ZIP 94581 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 94581 (Napa, CA) is $3,380 a month, up 1.8% from FY2026. That is 0% equal to the Napa, CA area-wide FMR of $3,375.
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 94581 sits in the Napa, CA area
Of the 16 ZIP codes HUD lists for the area, 94581 has the 5th highest two-bedroom Small Area FMR. Napa, 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 $3,375 for two bedrooms; an agency that opts in to Small Area FMRs would use $3,380 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $2,350 | $2,115 – $2,585 | $2,350 | $2,290 |
| 1 bedroom | $2,580 | $2,322 – $2,838 | $2,580 | $2,530 |
| 2 bedrooms | $3,380 | $3,042 – $3,718 | $3,375 | $3,320 |
| 3 bedrooms | $4,210 | $3,789 – $4,631 | $4,201 | $4,230 |
| 4 bedrooms | $5,100 | $4,590 – $5,610 | $5,094 | $4,950 |
A household renting a two-bedroom home at the Small Area FMR of $3,380 needs about $135,200 a year to keep housing costs at 30% of income. The area median family income is $165,400 and the 80% low-income limit for four people is $140,950. ZIP code 94581 lies mainly in Napa County. See the Napa, 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 94581?
HUD's FY2027 Small Area Fair Market Rents for 94581 are $2,350 (studio), $2,580 (1 BR), $3,380 (2 BR), $4,210 (3 BR) and $5,100 (4 BR) a month.
What is the Section 8 payment standard in 94581?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 94581 that range is $3,042 to $3,718 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 94581?
The FY2026 income limits of the Napa, CA area apply: median family income $165,400, low-income (80%) limit $140,950 for a family of four.