FY2027 Small Area FMR · Escalon, CA

ZIP 95320 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95320 (Escalon, CA) is $1,960 a month, up 14.0% from FY2026. That is 3% below the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$1,960per month ▲ 14.0%

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

Rank in the area26thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,764

2 BR Small Area FMR$1,960

110% of SAFMR$2,156

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

Studio$1,480▲ 16.5%

1 BR$1,580▲ 14.5%

2 BR$1,960▲ 14.0%

3 BR$2,710▲ 13.4%

4 BR$3,280▲ 13.5%

FY2027 FY2026

Where 95320 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95320 has the 26th 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 $1,960 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	$1,480	$1,332 – $1,628	$1,525	$1,270
1 bedroom	$1,580	$1,422 – $1,738	$1,628	$1,380
2 bedrooms	$1,960	$1,764 – $2,156	$2,015	$1,720
3 bedrooms	$2,710	$2,439 – $2,981	$2,790	$2,390
4 bedrooms	$3,280	$2,952 – $3,608	$3,368	$2,890

A household renting a two-bedroom home at the Small Area FMR of $1,960 needs about $78,400 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 95320 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
95367	Riverbank	7.5 mi	$1,860
95356	Modesto	7.5 mi	$2,060
95366	Ripon	7.9 mi	$2,170
95368	Salida	8.9 mi	$2,380
95350	Modesto	10.6 mi	$1,790
95336	Manteca	10.7 mi	$2,160

Questions

What is the Fair Market Rent for ZIP code 95320?

HUD's FY2027 Small Area Fair Market Rents for 95320 are $1,480 (studio), $1,580 (1 BR), $1,960 (2 BR), $2,710 (3 BR) and $3,280 (4 BR) a month.

What is the Section 8 payment standard in 95320?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95320 that range is $1,764 to $2,156 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95320?

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.