FY2027 Small Area FMR · Fortuna, CA

ZIP 95540 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95540 (Fortuna, CA) is $1,410 a month, down 0.7% from FY2026. That is 9% below the Humboldt County, CA area-wide FMR of $1,554.

2-bedroom SAFMR$1,410per month ▼ 0.7%

Area-wide 2 BR FMR$1,554Humboldt County, CA

Rank in the area35thof 40 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,269

2 BR Small Area FMR$1,410

110% of SAFMR$1,551

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

Studio$1,020■ 0.0%

1 BR$1,080▼ 0.9%

2 BR$1,410▼ 0.7%

3 BR$1,950▼ 1.0%

4 BR$2,360▼ 0.8%

FY2027 FY2026

Where 95540 sits in the Humboldt County, CA area

Of the 40 ZIP codes HUD lists for the area, 95540 has the 35th 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 $1,410 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	$1,020	$918 – $1,122	$1,122	$1,020
1 bedroom	$1,080	$972 – $1,188	$1,188	$1,090
2 bedrooms	$1,410	$1,269 – $1,551	$1,554	$1,420
3 bedrooms	$1,950	$1,755 – $2,145	$2,152	$1,970
4 bedrooms	$2,360	$2,124 – $2,596	$2,597	$2,380

A household renting a two-bedroom home at the Small Area FMR of $1,410 needs about $56,400 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 95540 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

ZIP	Place	Distance	2 BR SAFMR
95547	Hydesville	3.3 mi	$1,460
95562	Rio Dell	7.7 mi	$1,400
95551	Loleta	8.3 mi	$1,530
95565	Scotia	10.7 mi	$1,450
95536	Ferndale	10.7 mi	$1,450
95537	Fields Landing	11.1 mi	$1,700

Questions

What is the Fair Market Rent for ZIP code 95540?

HUD's FY2027 Small Area Fair Market Rents for 95540 are $1,020 (studio), $1,080 (1 BR), $1,410 (2 BR), $1,950 (3 BR) and $2,360 (4 BR) a month.

What is the Section 8 payment standard in 95540?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95540 that range is $1,269 to $1,551 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95540?

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.