FY2027 Small Area FMR · Stockton, CA

ZIP 95204 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95204 (Stockton, CA) is $1,670 a month, up 9.2% from FY2026. That is 17% below the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$1,670per month ▲ 9.2%

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

Rank in the area37thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,503

2 BR Small Area FMR$1,670

110% of SAFMR$1,837

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

Studio$1,260▲ 11.5%

1 BR$1,350▲ 9.8%

2 BR$1,670▲ 9.2%

3 BR$2,310▲ 8.5%

4 BR$2,790▲ 8.6%

FY2027 FY2026

Where 95204 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95204 has the 37th 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 $1,670 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	$1,260	$1,134 – $1,386	$1,525	$1,130
1 bedroom	$1,350	$1,215 – $1,485	$1,628	$1,230
2 bedrooms	$1,670	$1,503 – $1,837	$2,015	$1,530
3 bedrooms	$2,310	$2,079 – $2,541	$2,790	$2,130
4 bedrooms	$2,790	$2,511 – $3,069	$3,368	$2,570

A household renting a two-bedroom home at the Small Area FMR of $1,670 needs about $66,800 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 95204 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
95211	Stockton	0.5 mi	$1,790
95203	Stockton	1.8 mi	$1,520
95202	Stockton	1.9 mi	$1,180
95207	Stockton	2.0 mi	$2,030
95205	Stockton	3.3 mi	$1,660
95210	Stockton	4.1 mi	$1,770

Questions

What is the Fair Market Rent for ZIP code 95204?

HUD's FY2027 Small Area Fair Market Rents for 95204 are $1,260 (studio), $1,350 (1 BR), $1,670 (2 BR), $2,310 (3 BR) and $2,790 (4 BR) a month.

What is the Section 8 payment standard in 95204?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95204 that range is $1,503 to $1,837 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95204?

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.