FY2027 Small Area FMR · Big Oak Flat, CA

ZIP 95305 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95305 (Big Oak Flat, CA) is $1,490 a month, down 6.9% from FY2026. That is 7% below the Tuolumne County, CA area-wide FMR of $1,603.

2-bedroom SAFMR$1,490per month ▼ 6.9%

Area-wide 2 BR FMR$1,603Tuolumne County, CA

Rank in the area16thof 17 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,341

2 BR Small Area FMR$1,490

110% of SAFMR$1,639

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

Studio$1,040▼ 5.5%

1 BR$1,180▼ 6.3%

2 BR$1,490▼ 6.9%

3 BR$1,930▼ 8.1%

4 BR$2,490▼ 7.1%

FY2027 FY2026

Where 95305 sits in the Tuolumne County, CA area

Of the 17 ZIP codes HUD lists for the area, 95305 has the 16th highest two-bedroom Small Area FMR. Tuolumne 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 $1,603 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,490 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	$1,040	$936 – $1,144	$1,116	$1,100
1 bedroom	$1,180	$1,062 – $1,298	$1,271	$1,260
2 bedrooms	$1,490	$1,341 – $1,639	$1,603	$1,600
3 bedrooms	$1,930	$1,737 – $2,123	$2,082	$2,100
4 bedrooms	$2,490	$2,241 – $2,739	$2,679	$2,680

A household renting a two-bedroom home at the Small Area FMR of $1,490 needs about $59,600 a year to keep housing costs at 30% of income. The area median family income is $102,200 and the 80% low-income limit for four people is $81,750. ZIP code 95305 lies mainly in Tuolumne County. See the Tuolumne County, CA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
95309	Chinese Camp	8.8 mi	$1,600
95379	Tuolumne	11.0 mi	$1,860
95329	La Grange	11.8 mi	$1,620
95311	Coulterville	11.9 mi	$1,500
95327	Jamestown	12.4 mi	$1,440
95372	Soulsbyville	13.6 mi	$2,120

Questions

What is the Fair Market Rent for ZIP code 95305?

HUD's FY2027 Small Area Fair Market Rents for 95305 are $1,040 (studio), $1,180 (1 BR), $1,490 (2 BR), $1,930 (3 BR) and $2,490 (4 BR) a month.

What is the Section 8 payment standard in 95305?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95305 that range is $1,341 to $1,639 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95305?

The FY2026 income limits of the Tuolumne County, CA area apply: median family income $102,200, low-income (80%) limit $81,750 for a family of four.