FY2027 Small Area FMR · Rail Road Flat, CA

ZIP 95248 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95248 (Rail Road Flat, CA) is $1,530 a month, down 0.6% from FY2026. That is 0% equal to the Calaveras County, CA area-wide FMR of $1,533.

2-bedroom SAFMR$1,530per month ▼ 0.6%

Area-wide 2 BR FMR$1,533Calaveras County, CA

Rank in the area11thof 22 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,377

2 BR Small Area FMR$1,530

110% of SAFMR$1,683

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

Studio$1,110▲ 2.8%

1 BR$1,170■ 0.0%

2 BR$1,530▼ 0.6%

3 BR$2,120▼ 0.9%

4 BR$2,220▼ 3.9%

FY2027 FY2026

Where 95248 sits in the Calaveras County, CA area

Of the 22 ZIP codes HUD lists for the area, 95248 has the 11th 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 $1,530 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	$1,110	$999 – $1,221	$1,109	$1,080
1 bedroom	$1,170	$1,053 – $1,287	$1,172	$1,170
2 bedrooms	$1,530	$1,377 – $1,683	$1,533	$1,540
3 bedrooms	$2,120	$1,908 – $2,332	$2,123	$2,140
4 bedrooms	$2,220	$1,998 – $2,442	$2,224	$2,310

A household renting a two-bedroom home at the Small Area FMR of $1,530 needs about $61,200 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 95248 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

ZIP	Place	Distance	2 BR SAFMR
95257	Wilseyville	4.3 mi	$1,500
95246	Mountain Ranch	6.7 mi	$1,390
95255	West Point	7.1 mi	$1,390
95232	Glencoe	7.7 mi	$1,390
95245	Mokelumne Hill	8.1 mi	$1,460
95224	Avery	9.6 mi	$1,530

Questions

What is the Fair Market Rent for ZIP code 95248?

HUD's FY2027 Small Area Fair Market Rents for 95248 are $1,110 (studio), $1,170 (1 BR), $1,530 (2 BR), $2,120 (3 BR) and $2,220 (4 BR) a month.

What is the Section 8 payment standard in 95248?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95248 that range is $1,377 to $1,683 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95248?

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.