FY2027 Small Area FMR · Mountain Ranch, CA
ZIP 95246 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95246 (Mountain Ranch, CA) is $1,390 a month, down 9.7% from FY2026. That is 9% below 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 95246 sits in the Calaveras County, CA area
Of the 22 ZIP codes HUD lists for the area, 95246 has the 18th 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 $1,390 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $980 | $882 – $1,078 | $1,109 | $1,080 |
| 1 bedroom | $1,060 | $954 – $1,166 | $1,172 | $1,170 |
| 2 bedrooms | $1,390 | $1,251 – $1,529 | $1,533 | $1,540 |
| 3 bedrooms | $1,940 | $1,746 – $2,134 | $2,123 | $2,140 |
| 4 bedrooms | $2,090 | $1,881 – $2,299 | $2,224 | $2,310 |
A household renting a two-bedroom home at the Small Area FMR of $1,390 needs about $55,600 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 95246 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 95246?
HUD's FY2027 Small Area Fair Market Rents for 95246 are $980 (studio), $1,060 (1 BR), $1,390 (2 BR), $1,940 (3 BR) and $2,090 (4 BR) a month.
What is the Section 8 payment standard in 95246?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95246 that range is $1,251 to $1,529 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 95246?
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.