FY2027 Small Area FMR · Fair Oaks, CA

ZIP 95628 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95628 (Fair Oaks, CA) is $2,420 a month, down 2.4% from FY2026. That is 10% above the Sacramento--Roseville--Arden-Arcade, CA area-wide FMR of $2,201.

2-bedroom SAFMR$2,420per month ▼ 2.4%

Area-wide 2 BR FMR$2,201Sacramento--Roseville--Arden

Rank in the area35thof 130 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,178

2 BR Small Area FMR$2,420

110% of SAFMR$2,662

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

Studio$1,910▼ 0.5%

1 BR$1,970▼ 2.5%

2 BR$2,420▼ 2.4%

3 BR$3,170▼ 3.9%

4 BR$3,660▼ 3.9%

FY2027 FY2026

Where 95628 sits in the Sacramento--Roseville--Arden-Arcade, CA area

Of the 130 ZIP codes HUD lists for the area, 95628 has the 35th highest two-bedroom Small Area FMR. Sacramento--Roseville--Arden-Arcade, CA is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2016), so local housing agencies must set payment standards from this ZIP code's figure, normally between $2,178 and $2,662 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,910	$1,719 – $2,101	$1,742	$1,920
1 bedroom	$1,970	$1,773 – $2,167	$1,793	$2,020
2 bedrooms	$2,420	$2,178 – $2,662	$2,201	$2,480
3 bedrooms	$3,170	$2,853 – $3,487	$2,887	$3,300
4 bedrooms	$3,660	$3,294 – $4,026	$3,329	$3,810

A household renting a two-bedroom home at the Small Area FMR of $2,420 needs about $96,800 a year to keep housing costs at 30% of income. The area median family income is $124,000 and the 80% low-income limit for four people is $105,100. ZIP code 95628 lies mainly in Sacramento County. See the Sacramento--Roseville--Arden-Arcade, CA metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
95610	Citrus Heights	3.1 mi	$2,340
95662	Orangevale	3.2 mi	$2,330
95670	Rancho Cordova	3.6 mi	$2,170
95621	Citrus Heights	4.2 mi	$2,210
95608	Carmichael	4.4 mi	$2,140
95841	Sacramento	5.0 mi	$2,070

Questions

What is the Fair Market Rent for ZIP code 95628?

HUD's FY2027 Small Area Fair Market Rents for 95628 are $1,910 (studio), $1,970 (1 BR), $2,420 (2 BR), $3,170 (3 BR) and $3,660 (4 BR) a month.

What is the Section 8 payment standard in 95628?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95628 that range is $2,178 to $2,662 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 95628?

The FY2026 income limits of the Sacramento--Roseville--Arden-Arcade, CA area apply: median family income $124,000, low-income (80%) limit $105,100 for a family of four.