FY2027 Small Area FMR · Acampo, CA

ZIP 95220 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95220 (Acampo, CA) is $1,740 a month, up 13.0% from FY2026. That is 14% below the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$1,740per month ▲ 13.0%

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

Rank in the area36thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,566

2 BR Small Area FMR$1,740

110% of SAFMR$1,914

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

Studio$1,320▲ 15.8%

1 BR$1,410▲ 14.6%

2 BR$1,740▲ 13.0%

3 BR$2,410▲ 12.6%

4 BR$2,910▲ 12.8%

FY2027 FY2026

Where 95220 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95220 has the 36th 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 $1,740 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	$1,320	$1,188 – $1,452	$1,525	$1,140
1 bedroom	$1,410	$1,269 – $1,551	$1,628	$1,230
2 bedrooms	$1,740	$1,566 – $1,914	$2,015	$1,540
3 bedrooms	$2,410	$2,169 – $2,651	$2,790	$2,140
4 bedrooms	$2,910	$2,619 – $3,201	$3,368	$2,580

A household renting a two-bedroom home at the Small Area FMR of $1,740 needs about $69,600 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 95220 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
95258	Woodbridge	4.5 mi	$1,790
95253	Victor	4.6 mi	$1,500
95632	Galt	5.3 mi	$1,930
95237	Lockeford	5.3 mi	$1,540
95240	Lodi	7.7 mi	$1,900
95242	Lodi	9.2 mi	$2,300

Questions

What is the Fair Market Rent for ZIP code 95220?

HUD's FY2027 Small Area Fair Market Rents for 95220 are $1,320 (studio), $1,410 (1 BR), $1,740 (2 BR), $2,410 (3 BR) and $2,910 (4 BR) a month.

What is the Section 8 payment standard in 95220?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95220 that range is $1,566 to $1,914 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95220?

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.