FY2027 Small Area FMR · Copperopolis, CA
ZIP 95228 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95228 (Copperopolis, CA) is $1,870 a month, up 0.5% from FY2026. That is 22% above the Calaveras County, CA area-wide FMR of $1,533.
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 95228 sits in the Calaveras County, CA area
Of the 22 ZIP codes HUD lists for the area, 95228 has the 3rd highest two-bedroom Small Area FMR. Calaveras County, 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 $1,533 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,870 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,350 | $1,215 – $1,485 | $1,109 | $1,300 |
| 1 bedroom | $1,430 | $1,287 – $1,573 | $1,172 | $1,420 |
| 2 bedrooms | $1,870 | $1,683 – $2,057 | $1,533 | $1,860 |
| 3 bedrooms | $2,590 | $2,331 – $2,849 | $2,123 | $2,590 |
| 4 bedrooms | $2,710 | $2,439 – $2,981 | $2,224 | $2,790 |
A household renting a two-bedroom home at the Small Area FMR of $1,870 needs about $74,800 a year to keep housing costs at 30% of income. The area median family income is $102,600 and the 80% low-income limit for four people is $82,100. ZIP code 95228 lies mainly in Calaveras County. See the Calaveras County, 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 95228?
HUD's FY2027 Small Area Fair Market Rents for 95228 are $1,350 (studio), $1,430 (1 BR), $1,870 (2 BR), $2,590 (3 BR) and $2,710 (4 BR) a month.
What is the Section 8 payment standard in 95228?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95228 that range is $1,683 to $2,057 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 95228?
The FY2026 income limits of the Calaveras County, CA area apply: median family income $102,600, low-income (80%) limit $82,100 for a family of four.