FY2027 Small Area FMR · Stockton, CA

ZIP 95205 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95205 (Stockton, CA) is $1,660 a month, up 15.3% from FY2026. That is 18% below the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$1,660per month ▲ 15.3%

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

Rank in the area39thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,494

2 BR Small Area FMR$1,660

110% of SAFMR$1,826

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

Studio$1,260▲ 18.9%

1 BR$1,340▲ 16.5%

2 BR$1,660▲ 15.3%

3 BR$2,300▲ 15.0%

4 BR$2,770▲ 14.5%

FY2027 FY2026

Where 95205 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95205 has the 39th 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 $1,660 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	$1,060
1 bedroom	$1,340	$1,206 – $1,474	$1,628	$1,150
2 bedrooms	$1,660	$1,494 – $1,826	$2,015	$1,440
3 bedrooms	$2,300	$2,070 – $2,530	$2,790	$2,000
4 bedrooms	$2,770	$2,493 – $3,047	$3,368	$2,420

A household renting a two-bedroom home at the Small Area FMR of $1,660 needs about $66,400 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 95205 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
95202	Stockton	1.6 mi	$1,180
95211	Stockton	3.1 mi	$1,790
95204	Stockton	3.3 mi	$1,670
95203	Stockton	3.9 mi	$1,520
95207	Stockton	4.4 mi	$2,030
95210	Stockton	5.0 mi	$1,770

Questions

What is the Fair Market Rent for ZIP code 95205?

HUD's FY2027 Small Area Fair Market Rents for 95205 are $1,260 (studio), $1,340 (1 BR), $1,660 (2 BR), $2,300 (3 BR) and $2,770 (4 BR) a month.

What is the Section 8 payment standard in 95205?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95205 that range is $1,494 to $1,826 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95205?

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.