FY2027 Small Area FMR · Galt, CA
ZIP 95632 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95632 (Galt, CA) is $1,930 a month, down 1.0% from FY2026. That is 12% below the Sacramento--Roseville--Arden-Arcade, CA area-wide FMR of $2,201.
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 95632 sits in the Sacramento--Roseville--Arden-Arcade, CA area
Of the 130 ZIP codes HUD lists for the area, 95632 has the 106th 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 $1,737 and $2,123 for two bedrooms.
ZIP code 95632 crosses more than one HUD area. HUD also lists it under Stockton-Lodi, CA (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,520 | $1,368 – $1,672 | $1,742 | $1,510 |
| 1 bedroom | $1,570 | $1,413 – $1,727 | $1,793 | $1,580 |
| 2 bedrooms | $1,930 | $1,737 – $2,123 | $2,201 | $1,950 |
| 3 bedrooms | $2,530 | $2,277 – $2,783 | $2,887 | $2,600 |
| 4 bedrooms | $2,930 | $2,637 – $3,223 | $3,329 | $3,000 |
A household renting a two-bedroom home at the Small Area FMR of $1,930 needs about $77,200 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 95632 lies mainly in Sacramento County and San Joaquin County. See the Sacramento--Roseville--Arden-Arcade, CA metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 95632?
HUD's FY2027 Small Area Fair Market Rents for 95632 are $1,520 (studio), $1,570 (1 BR), $1,930 (2 BR), $2,530 (3 BR) and $2,930 (4 BR) a month.
What is the Section 8 payment standard in 95632?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95632 that range is $1,737 to $2,123 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 95632?
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.