FY2027 Small Area FMR · Stockton, CA

ZIP 95207 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95207 (Stockton, CA) is $2,030 a month, up 15.3% from FY2026. That is 1% above the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$2,030per month ▲ 15.3%

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

Rank in the area16thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,827

2 BR Small Area FMR$2,030

110% of SAFMR$2,233

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

Studio$1,540▲ 18.5%

1 BR$1,640▲ 16.3%

2 BR$2,030▲ 15.3%

3 BR$2,810▲ 14.7%

4 BR$3,390▲ 14.9%

FY2027 FY2026

Where 95207 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95207 has the 16th 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 $2,030 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	$1,540	$1,386 – $1,694	$1,525	$1,300
1 bedroom	$1,640	$1,476 – $1,804	$1,628	$1,410
2 bedrooms	$2,030	$1,827 – $2,233	$2,015	$1,760
3 bedrooms	$2,810	$2,529 – $3,091	$2,790	$2,450
4 bedrooms	$3,390	$3,051 – $3,729	$3,368	$2,950

A household renting a two-bedroom home at the Small Area FMR of $2,030 needs about $81,200 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 95207 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	1.7 mi	$1,790
95204	Stockton	2.0 mi	$1,670
95210	Stockton	2.4 mi	$1,770
95209	Stockton	3.4 mi	$2,150
95202	Stockton	3.5 mi	$1,180
95203	Stockton	3.6 mi	$1,520

Questions

What is the Fair Market Rent for ZIP code 95207?

HUD's FY2027 Small Area Fair Market Rents for 95207 are $1,540 (studio), $1,640 (1 BR), $2,030 (2 BR), $2,810 (3 BR) and $3,390 (4 BR) a month.

What is the Section 8 payment standard in 95207?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95207 that range is $1,827 to $2,233 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95207?

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.