FY2027 Small Area FMR · Lodi, CA

ZIP 95242 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95242 (Lodi, CA) is $2,300 a month, up 13.9% from FY2026. That is 14% above the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$2,300per month ▲ 13.9%

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

Rank in the area10thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,070

2 BR Small Area FMR$2,300

110% of SAFMR$2,530

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

Studio$1,740▲ 16.8%

1 BR$1,860▲ 14.8%

2 BR$2,300▲ 13.9%

3 BR$3,180▲ 13.2%

4 BR$3,840▲ 13.3%

FY2027 FY2026

Where 95242 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95242 has the 10th 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 $2,300 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	$1,740	$1,566 – $1,914	$1,525	$1,490
1 bedroom	$1,860	$1,674 – $2,046	$1,628	$1,620
2 bedrooms	$2,300	$2,070 – $2,530	$2,015	$2,020
3 bedrooms	$3,180	$2,862 – $3,498	$2,790	$2,810
4 bedrooms	$3,840	$3,456 – $4,224	$3,368	$3,390

A household renting a two-bedroom home at the Small Area FMR of $2,300 needs about $92,000 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 95242 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	4.8 mi	$1,790
95209	Stockton	6.5 mi	$2,150
95686	Thornton	7.5 mi	$1,190
95219	Stockton	8.0 mi	$2,270
95210	Stockton	8.8 mi	$1,770
95220	Acampo	9.2 mi	$1,740

Questions

What is the Fair Market Rent for ZIP code 95242?

HUD's FY2027 Small Area Fair Market Rents for 95242 are $1,740 (studio), $1,860 (1 BR), $2,300 (2 BR), $3,180 (3 BR) and $3,840 (4 BR) a month.

What is the Section 8 payment standard in 95242?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95242 that range is $2,070 to $2,530 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95242?

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.