FY2027 Small Area FMR · Santa Rosa, CA

ZIP 95409 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95409 (Santa Rosa, CA) is $3,150 a month, down 2.8% from FY2026. That is 12% above the Santa Rosa-Petaluma, CA area-wide FMR of $2,819.

2-bedroom SAFMR$3,150per month ▼ 2.8%

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

Rank in the area4thof 53 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,835

2 BR Small Area FMR$3,150

110% of SAFMR$3,465

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

Studio$2,210▼ 0.9%

1 BR$2,410▼ 2.4%

2 BR$3,150▼ 2.8%

3 BR$4,360▼ 2.0%

4 BR$4,800▲ 1.1%

FY2027 FY2026

Where 95409 sits in the Santa Rosa-Petaluma, CA area

Of the 53 ZIP codes HUD lists for the area, 95409 has the 4th 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 $3,150 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	$2,210	$1,989 – $2,431	$1,980	$2,230
1 bedroom	$2,410	$2,169 – $2,651	$2,155	$2,470
2 bedrooms	$3,150	$2,835 – $3,465	$2,819	$3,240
3 bedrooms	$4,360	$3,924 – $4,796	$3,903	$4,450
4 bedrooms	$4,800	$4,320 – $5,280	$4,295	$4,750

A household renting a two-bedroom home at the Small Area FMR of $3,150 needs about $126,000 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 95409 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
95452	Kenwood	3.9 mi	$2,890
95405	Santa Rosa	5.0 mi	$3,090
95404	Santa Rosa	7.1 mi	$2,780
94576	Deer Park	8.0 mi	$3,100
94573	Rutherford	8.3 mi	$3,300
95442	Glen Ellen	8.4 mi	$2,550

Questions

What is the Fair Market Rent for ZIP code 95409?

HUD's FY2027 Small Area Fair Market Rents for 95409 are $2,210 (studio), $2,410 (1 BR), $3,150 (2 BR), $4,360 (3 BR) and $4,800 (4 BR) a month.

What is the Section 8 payment standard in 95409?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95409 that range is $2,835 to $3,465 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95409?

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.