FY2027 Small Area FMR · Tracy, CA

ZIP 95376 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95376 (Tracy, CA) is $2,370 a month, up 12.9% from FY2026. That is 18% above the Stockton-Lodi, CA area-wide FMR of $2,015.

2-bedroom SAFMR$2,370per month ▲ 12.9%

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

Rank in the area8thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,133

2 BR Small Area FMR$2,370

110% of SAFMR$2,607

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

Studio$1,790▲ 15.5%

1 BR$1,910▲ 13.7%

2 BR$2,370▲ 12.9%

3 BR$3,280▲ 12.3%

4 BR$3,960▲ 12.5%

FY2027 FY2026

Where 95376 sits in the Stockton-Lodi, CA area

Of the 47 ZIP codes HUD lists for the area, 95376 has the 8th 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 $2,370 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	$1,790	$1,611 – $1,969	$1,525	$1,550
1 bedroom	$1,910	$1,719 – $2,101	$1,628	$1,680
2 bedrooms	$2,370	$2,133 – $2,607	$2,015	$2,100
3 bedrooms	$3,280	$2,952 – $3,608	$2,790	$2,920
4 bedrooms	$3,960	$3,564 – $4,356	$3,368	$3,520

A household renting a two-bedroom home at the Small Area FMR of $2,370 needs about $94,800 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 95376 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
95304	Tracy	4.8 mi	$2,880
95377	Tracy	6.3 mi	$3,020
95330	Lathrop	8.6 mi	$2,810
95391	Tracy	9.9 mi	$3,020
95337	Manteca	10.7 mi	$2,460
94514	Byron	11.9 mi	$2,960

Questions

What is the Fair Market Rent for ZIP code 95376?

HUD's FY2027 Small Area Fair Market Rents for 95376 are $1,790 (studio), $1,910 (1 BR), $2,370 (2 BR), $3,280 (3 BR) and $3,960 (4 BR) a month.

What is the Section 8 payment standard in 95376?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95376 that range is $2,133 to $2,607 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95376?

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.