FY2027 Small Area FMR · Lodi, CA

ZIP 95240 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95240 (Lodi, CA) is $1,900 a month, up 15.2% from FY2026. That is 6% below the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$1,900per month ▲ 15.2%

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

Rank in the area28thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,710

2 BR Small Area FMR$1,900

110% of SAFMR$2,090

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

Studio$1,440▲ 18.0%

1 BR$1,530▲ 15.9%

2 BR$1,900▲ 15.2%

3 BR$2,630▲ 14.8%

4 BR$3,180▲ 14.8%

FY2027 FY2026

Where 95240 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95240 has the 28th 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 $1,900 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	$1,440	$1,296 – $1,584	$1,525	$1,220
1 bedroom	$1,530	$1,377 – $1,683	$1,628	$1,320
2 bedrooms	$1,900	$1,710 – $2,090	$2,015	$1,650
3 bedrooms	$2,630	$2,367 – $2,893	$2,790	$2,290
4 bedrooms	$3,180	$2,862 – $3,498	$3,368	$2,770

A household renting a two-bedroom home at the Small Area FMR of $1,900 needs about $76,000 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 95240 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
95237	Lockeford	3.3 mi	$1,540
95253	Victor	3.7 mi	$1,500
95212	Stockton	6.5 mi	$2,810
95220	Acampo	7.7 mi	$1,740
95227	Clements	8.3 mi	$1,840
95236	Linden	8.8 mi	$1,980

Questions

What is the Fair Market Rent for ZIP code 95240?

HUD's FY2027 Small Area Fair Market Rents for 95240 are $1,440 (studio), $1,530 (1 BR), $1,900 (2 BR), $2,630 (3 BR) and $3,180 (4 BR) a month.

What is the Section 8 payment standard in 95240?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95240 that range is $1,710 to $2,090 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95240?

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.