FY2027 Small Area FMR · Santa Rosa, CA

ZIP 95407 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95407 (Santa Rosa, CA) is $2,590 a month, up 1.6% from FY2026. That is 8% below the Santa Rosa-Petaluma, CA area-wide FMR of $2,819.

2-bedroom SAFMR$2,590per month ▲ 1.6%

Area-wide 2 BR FMR$2,819Santa Rosa-Petaluma, CA

Rank in the area36thof 53 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,331

2 BR Small Area FMR$2,590

110% of SAFMR$2,849

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

Studio$1,820▲ 3.4%

1 BR$1,980▲ 2.1%

2 BR$2,590▲ 1.6%

3 BR$3,590▲ 2.3%

4 BR$3,950▲ 5.6%

FY2027 FY2026

Where 95407 sits in the Santa Rosa-Petaluma, CA area

Of the 53 ZIP codes HUD lists for the area, 95407 has the 36th highest two-bedroom Small Area FMR. Santa Rosa-Petaluma, 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 $2,819 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,590 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	$1,820	$1,638 – $2,002	$1,980	$1,760
1 bedroom	$1,980	$1,782 – $2,178	$2,155	$1,940
2 bedrooms	$2,590	$2,331 – $2,849	$2,819	$2,550
3 bedrooms	$3,590	$3,231 – $3,949	$3,903	$3,510
4 bedrooms	$3,950	$3,555 – $4,345	$4,295	$3,740

A household renting a two-bedroom home at the Small Area FMR of $2,590 needs about $103,600 a year to keep housing costs at 30% of income. The area median family income is $133,400 and the 80% low-income limit for four people is $131,850. ZIP code 95407 lies mainly in Sonoma County. See the Santa Rosa-Petaluma, CA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
94928	Rohnert Park	4.3 mi	$3,080
95401	Santa Rosa	4.6 mi	$2,900
94931	Cotati	5.0 mi	$2,550
95405	Santa Rosa	5.2 mi	$3,090
95472	Sebastopol	6.4 mi	$2,640
95439	Fulton	7.0 mi	$2,990

Questions

What is the Fair Market Rent for ZIP code 95407?

HUD's FY2027 Small Area Fair Market Rents for 95407 are $1,820 (studio), $1,980 (1 BR), $2,590 (2 BR), $3,590 (3 BR) and $3,950 (4 BR) a month.

What is the Section 8 payment standard in 95407?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95407 that range is $2,331 to $2,849 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95407?

The FY2026 income limits of the Santa Rosa-Petaluma, CA area apply: median family income $133,400, low-income (80%) limit $131,850 for a family of four.