FY2027 Small Area FMR · Stockton, CA
ZIP 95212 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95212 (Stockton, CA) is $2,810 a month, up 16.1% from FY2026. That is 39% above the Stockton-Lodi, CA area-wide FMR of $2,015.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 95212 sits in the Stockton-Lodi, CA area
Of the 47 ZIP codes HUD lists for the area, 95212 has the 5th 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 $2,810 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $2,130 | $1,917 – $2,343 | $1,525 | $1,790 |
| 1 bedroom | $2,270 | $2,043 – $2,497 | $1,628 | $1,940 |
| 2 bedrooms | $2,810 | $2,529 – $3,091 | $2,015 | $2,420 |
| 3 bedrooms | $3,890 | $3,501 – $4,279 | $2,790 | $3,370 |
| 4 bedrooms | $4,700 | $4,230 – $5,170 | $3,368 | $4,060 |
A household renting a two-bedroom home at the Small Area FMR of $2,810 needs about $112,400 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 95212 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
Questions
What is the Fair Market Rent for ZIP code 95212?
HUD's FY2027 Small Area Fair Market Rents for 95212 are $2,130 (studio), $2,270 (1 BR), $2,810 (2 BR), $3,890 (3 BR) and $4,700 (4 BR) a month.
What is the Section 8 payment standard in 95212?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95212 that range is $2,529 to $3,091 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 95212?
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.