FY2027 Small Area FMR · The Sea Ranch, CA
ZIP 95497 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95497 (The Sea Ranch, CA) is $2,910 a month, up 17.8% from FY2026. That is 3% above the Santa Rosa-Petaluma, CA area-wide FMR of $2,819.
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 95497 sits in the Santa Rosa-Petaluma, CA area
Of the 53 ZIP codes HUD lists for the area, 95497 has the 13th 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 $2,910 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $2,040 | $1,836 – $2,244 | $1,980 | $1,700 |
| 1 bedroom | $2,220 | $1,998 – $2,442 | $2,155 | $1,890 |
| 2 bedrooms | $2,910 | $2,619 – $3,201 | $2,819 | $2,470 |
| 3 bedrooms | $4,030 | $3,627 – $4,433 | $3,903 | $3,370 |
| 4 bedrooms | $4,430 | $3,987 – $4,873 | $4,295 | $3,570 |
A household renting a two-bedroom home at the Small Area FMR of $2,910 needs about $116,400 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 95497 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
Questions
What is the Fair Market Rent for ZIP code 95497?
HUD's FY2027 Small Area Fair Market Rents for 95497 are $2,040 (studio), $2,220 (1 BR), $2,910 (2 BR), $4,030 (3 BR) and $4,430 (4 BR) a month.
What is the Section 8 payment standard in 95497?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95497 that range is $2,619 to $3,201 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 95497?
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.