FY2027 Small Area FMR · Clements, CA

ZIP 95227 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95227 (Clements, CA) is $1,840 a month, up 7.6% from FY2026. That is 9% below the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$1,840per month ▲ 7.6%

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

Rank in the area30thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,656

2 BR Small Area FMR$1,840

110% of SAFMR$2,024

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

Studio$1,410▲ 8.5%

1 BR$1,490▲ 8.0%

2 BR$1,840▲ 7.6%

3 BR$2,490▲ 6.9%

4 BR$2,960▲ 6.5%

FY2027 FY2026

Where 95227 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95227 has the 30th 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 $1,840 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	$1,410	$1,269 – $1,551	$1,525	$1,300
1 bedroom	$1,490	$1,341 – $1,639	$1,628	$1,380
2 bedrooms	$1,840	$1,656 – $2,024	$2,015	$1,710
3 bedrooms	$2,490	$2,241 – $2,739	$2,790	$2,330
4 bedrooms	$2,960	$2,664 – $3,256	$3,368	$2,780

A household renting a two-bedroom home at the Small Area FMR of $1,840 needs about $73,600 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 95227 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
95254	Wallace	5.2 mi	$1,690
95237	Lockeford	6.3 mi	$1,540
95638	Herald	8.1 mi	$2,260
95240	Lodi	8.3 mi	$1,900
95640	Ione	9.5 mi	$1,860
95225	Burson	9.6 mi	$1,390

Questions

What is the Fair Market Rent for ZIP code 95227?

HUD's FY2027 Small Area Fair Market Rents for 95227 are $1,410 (studio), $1,490 (1 BR), $1,840 (2 BR), $2,490 (3 BR) and $2,960 (4 BR) a month.

What is the Section 8 payment standard in 95227?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95227 that range is $1,656 to $2,024 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95227?

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.