FY2027 Small Area FMR · Carlotta, CA
ZIP 95528 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95528 (Carlotta, CA) is $1,570 a month, up 1.3% from FY2026. That is 1% above the Humboldt County, CA area-wide FMR of $1,554.
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 95528 sits in the Humboldt County, CA area
Of the 40 ZIP codes HUD lists for the area, 95528 has the 10th highest two-bedroom Small Area FMR. Humboldt 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 $1,554 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,570 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,130 | $1,017 – $1,243 | $1,122 | $1,110 |
| 1 bedroom | $1,200 | $1,080 – $1,320 | $1,188 | $1,190 |
| 2 bedrooms | $1,570 | $1,413 – $1,727 | $1,554 | $1,550 |
| 3 bedrooms | $2,170 | $1,953 – $2,387 | $2,152 | $2,160 |
| 4 bedrooms | $2,620 | $2,358 – $2,882 | $2,597 | $2,600 |
A household renting a two-bedroom home at the Small Area FMR of $1,570 needs about $62,800 a year to keep housing costs at 30% of income. The area median family income is $85,700 and the 80% low-income limit for four people is $77,700. ZIP code 95528 lies mainly in Humboldt County. See the Humboldt 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 95528?
HUD's FY2027 Small Area Fair Market Rents for 95528 are $1,130 (studio), $1,200 (1 BR), $1,570 (2 BR), $2,170 (3 BR) and $2,620 (4 BR) a month.
What is the Section 8 payment standard in 95528?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95528 that range is $1,413 to $1,727 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 95528?
The FY2026 income limits of the Humboldt County, CA area apply: median family income $85,700, low-income (80%) limit $77,700 for a family of four.