FY2027 Small Area FMR · Lathrop, CA

ZIP 95330 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95330 (Lathrop, CA) is $2,810 a month, up 19.1% from FY2026. That is 39% above the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$2,810per month ▲ 19.1%

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

Rank in the area5thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,529

2 BR Small Area FMR$2,810

110% of SAFMR$3,091

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

Studio$2,130▲ 22.4%

1 BR$2,270▲ 20.1%

2 BR$2,810▲ 19.1%

3 BR$3,890▲ 18.6%

4 BR$4,700▲ 18.7%

FY2027 FY2026

Where 95330 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95330 has the 5th 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 $2,810 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	$2,130	$1,917 – $2,343	$1,525	$1,740
1 bedroom	$2,270	$2,043 – $2,497	$1,628	$1,890
2 bedrooms	$2,810	$2,529 – $3,091	$2,015	$2,360
3 bedrooms	$3,890	$3,501 – $4,279	$2,790	$3,280
4 bedrooms	$4,700	$4,230 – $5,170	$3,368	$3,960

A household renting a two-bedroom home at the Small Area FMR of $2,810 needs about $112,400 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 95330 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
95231	French Camp	4.4 mi	$2,330
95336	Manteca	6.0 mi	$2,160
95337	Manteca	6.1 mi	$2,460
95376	Tracy	8.6 mi	$2,370
95206	Stockton	9.4 mi	$1,790
95203	Stockton	9.5 mi	$1,520

Questions

What is the Fair Market Rent for ZIP code 95330?

HUD's FY2027 Small Area Fair Market Rents for 95330 are $2,130 (studio), $2,270 (1 BR), $2,810 (2 BR), $3,890 (3 BR) and $4,700 (4 BR) a month.

What is the Section 8 payment standard in 95330?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95330 that range is $2,529 to $3,091 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95330?

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.