FY2027 Small Area FMR · Stockton, CA

ZIP 95203 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95203 (Stockton, CA) is $1,520 a month, up 16.0% from FY2026. That is 25% below the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$1,520per month ▲ 16.0%

Area-wide 2 BR FMR$2,015Stockton-Lodi, CA

Rank in the area43rdof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,368

2 BR Small Area FMR$1,520

110% of SAFMR$1,672

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

Studio$1,150▲ 21.1%

1 BR$1,230▲ 19.4%

2 BR$1,520▲ 16.0%

3 BR$2,100▲ 14.1%

4 BR$2,540▲ 14.4%

FY2027 FY2026

Where 95203 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95203 has the 43rd highest two-bedroom Small Area FMR. Stockton-Lodi, 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 $2,015 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,520 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	$1,150	$1,035 – $1,265	$1,525	$950
1 bedroom	$1,230	$1,107 – $1,353	$1,628	$1,030
2 bedrooms	$1,520	$1,368 – $1,672	$2,015	$1,310
3 bedrooms	$2,100	$1,890 – $2,310	$2,790	$1,840
4 bedrooms	$2,540	$2,286 – $2,794	$3,368	$2,220

A household renting a two-bedroom home at the Small Area FMR of $1,520 needs about $60,800 a year to keep housing costs at 30% of income. The area median family income is $108,100 and the 80% low-income limit for four people is $86,500. ZIP code 95203 lies mainly in San Joaquin County. See the Stockton-Lodi, CA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
95204	Stockton	1.8 mi	$1,670
95211	Stockton	2.2 mi	$1,790
95202	Stockton	2.3 mi	$1,180
95207	Stockton	3.6 mi	$2,030
95205	Stockton	3.9 mi	$1,660
95206	Stockton	5.3 mi	$1,790

Questions

What is the Fair Market Rent for ZIP code 95203?

HUD's FY2027 Small Area Fair Market Rents for 95203 are $1,150 (studio), $1,230 (1 BR), $1,520 (2 BR), $2,100 (3 BR) and $2,540 (4 BR) a month.

What is the Section 8 payment standard in 95203?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95203 that range is $1,368 to $1,672 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95203?

The FY2026 income limits of the Stockton-Lodi, CA area apply: median family income $108,100, low-income (80%) limit $86,500 for a family of four.