FY2027 Small Area FMR · Ripon, CA

ZIP 95366 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95366 (Ripon, CA) is $2,170 a month, up 15.4% from FY2026. That is 8% above the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$2,170per month ▲ 15.4%

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

Rank in the area13thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,953

2 BR Small Area FMR$2,170

110% of SAFMR$2,387

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

Studio$1,640▲ 18.0%

1 BR$1,750▲ 15.9%

2 BR$2,170▲ 15.4%

3 BR$3,000▲ 14.9%

4 BR$3,630▲ 15.2%

FY2027 FY2026

Where 95366 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95366 has the 13th 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 $2,170 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	$1,640	$1,476 – $1,804	$1,525	$1,390
1 bedroom	$1,750	$1,575 – $1,925	$1,628	$1,510
2 bedrooms	$2,170	$1,953 – $2,387	$2,015	$1,880
3 bedrooms	$3,000	$2,700 – $3,300	$2,790	$2,610
4 bedrooms	$3,630	$3,267 – $3,993	$3,368	$3,150

A household renting a two-bedroom home at the Small Area FMR of $2,170 needs about $86,800 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 95366 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
95368	Salida	4.1 mi	$2,380
95356	Modesto	5.9 mi	$2,060
95336	Manteca	6.2 mi	$2,160
95337	Manteca	6.3 mi	$2,460
95320	Escalon	7.9 mi	$1,960
95350	Modesto	9.0 mi	$1,790

Questions

What is the Fair Market Rent for ZIP code 95366?

HUD's FY2027 Small Area Fair Market Rents for 95366 are $1,640 (studio), $1,750 (1 BR), $2,170 (2 BR), $3,000 (3 BR) and $3,630 (4 BR) a month.

What is the Section 8 payment standard in 95366?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95366 that range is $1,953 to $2,387 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95366?

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.