FY2027 Small Area FMR · Stockton, CA

ZIP 95209 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95209 (Stockton, CA) is $2,150 a month, up 10.8% from FY2026. That is 7% above the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$2,150per month ▲ 10.8%

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

Rank in the area15thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,935

2 BR Small Area FMR$2,150

110% of SAFMR$2,365

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

Studio$1,630▲ 14.0%

1 BR$1,740▲ 12.3%

2 BR$2,150▲ 10.8%

3 BR$2,980▲ 10.4%

4 BR$3,590▲ 10.5%

FY2027 FY2026

Where 95209 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95209 has the 15th 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 $2,150 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	$1,630	$1,467 – $1,793	$1,525	$1,430
1 bedroom	$1,740	$1,566 – $1,914	$1,628	$1,550
2 bedrooms	$2,150	$1,935 – $2,365	$2,015	$1,940
3 bedrooms	$2,980	$2,682 – $3,278	$2,790	$2,700
4 bedrooms	$3,590	$3,231 – $3,949	$3,368	$3,250

A household renting a two-bedroom home at the Small Area FMR of $2,150 needs about $86,000 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 95209 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
95210	Stockton	3.2 mi	$1,770
95207	Stockton	3.4 mi	$2,030
95211	Stockton	5.1 mi	$1,790
95204	Stockton	5.4 mi	$1,670
95242	Lodi	6.5 mi	$2,300
95212	Stockton	6.5 mi	$2,810

Questions

What is the Fair Market Rent for ZIP code 95209?

HUD's FY2027 Small Area Fair Market Rents for 95209 are $1,630 (studio), $1,740 (1 BR), $2,150 (2 BR), $2,980 (3 BR) and $3,590 (4 BR) a month.

What is the Section 8 payment standard in 95209?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95209 that range is $1,935 to $2,365 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95209?

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.