FY2027 Small Area FMR · French Camp, CA

ZIP 95231 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95231 (French Camp, CA) is $2,330 a month, up 20.7% from FY2026. That is 16% above the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$2,330per month ▲ 20.7%

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

Rank in the area9thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,097

2 BR Small Area FMR$2,330

110% of SAFMR$2,563

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

Studio$1,760▲ 23.1%

1 BR$1,880▲ 21.3%

2 BR$2,330▲ 20.7%

3 BR$3,230▲ 20.5%

4 BR$3,890▲ 20.1%

FY2027 FY2026

Where 95231 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95231 has the 9th 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 $2,330 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	$1,760	$1,584 – $1,936	$1,525	$1,430
1 bedroom	$1,880	$1,692 – $2,068	$1,628	$1,550
2 bedrooms	$2,330	$2,097 – $2,563	$2,015	$1,930
3 bedrooms	$3,230	$2,907 – $3,553	$2,790	$2,680
4 bedrooms	$3,890	$3,501 – $4,279	$3,368	$3,240

A household renting a two-bedroom home at the Small Area FMR of $2,330 needs about $93,200 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 95231 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
95330	Lathrop	4.4 mi	$2,810
95203	Stockton	5.6 mi	$1,520
95336	Manteca	5.7 mi	$2,160
95202	Stockton	5.9 mi	$1,180
95205	Stockton	6.5 mi	$1,660
95204	Stockton	7.1 mi	$1,670

Questions

What is the Fair Market Rent for ZIP code 95231?

HUD's FY2027 Small Area Fair Market Rents for 95231 are $1,760 (studio), $1,880 (1 BR), $2,330 (2 BR), $3,230 (3 BR) and $3,890 (4 BR) a month.

What is the Section 8 payment standard in 95231?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95231 that range is $2,097 to $2,563 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95231?

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.