FY2027 Small Area FMR · Upper Lake, CA
ZIP 95485 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95485 (Upper Lake, CA) is $1,400 a month, down 1.4% from FY2026. That is 13% below the Lake County, CA area-wide FMR of $1,616.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 95485 sits in the Lake County, CA area
Of the 16 ZIP codes HUD lists for the area, 95485 has the 15th highest two-bedroom Small Area FMR. Lake County, 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 $1,616 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,400 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,060 | $954 – $1,166 | $1,233 | $1,080 |
| 1 bedroom | $1,070 | $963 – $1,177 | $1,235 | $1,080 |
| 2 bedrooms | $1,400 | $1,260 – $1,540 | $1,616 | $1,420 |
| 3 bedrooms | $1,940 | $1,746 – $2,134 | $2,238 | $1,970 |
| 4 bedrooms | $2,340 | $2,106 – $2,574 | $2,701 | $2,380 |
A household renting a two-bedroom home at the Small Area FMR of $1,400 needs about $56,000 a year to keep housing costs at 30% of income. The area median family income is $72,400 and the 80% low-income limit for four people is $77,700. ZIP code 95485 lies mainly in Lake County. See the Lake County, CA county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 95485?
HUD's FY2027 Small Area Fair Market Rents for 95485 are $1,060 (studio), $1,070 (1 BR), $1,400 (2 BR), $1,940 (3 BR) and $2,340 (4 BR) a month.
What is the Section 8 payment standard in 95485?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95485 that range is $1,260 to $1,540 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 95485?
The FY2026 income limits of the Lake County, CA area apply: median family income $72,400, low-income (80%) limit $77,700 for a family of four.