FY2027 Small Area FMR · Ione, CA
ZIP 95640 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95640 (Ione, CA) is $1,860 a month, up 5.7% from FY2026. That is 15% 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 95640 sits in the Sacramento--Roseville--Arden-Arcade, CA area
Of the 130 ZIP codes HUD lists for the area, 95640 has the 113th 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 $1,674 and $2,046 for two bedrooms.
ZIP code 95640 crosses more than one HUD area. HUD also lists it under Amador County, 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 | $1,450 | $1,305 – $1,595 | $1,742 | $1,440 |
| 1 bedroom | $1,460 | $1,314 – $1,606 | $1,793 | $1,450 |
| 2 bedrooms | $1,860 | $1,674 – $2,046 | $2,201 | $1,760 |
| 3 bedrooms | $2,340 | $2,106 – $2,574 | $2,887 | $2,300 |
| 4 bedrooms | $2,710 | $2,439 – $2,981 | $3,329 | $2,810 |
A household renting a two-bedroom home at the Small Area FMR of $1,860 needs about $74,400 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 95640 lies mainly in Amador County and Sacramento 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 95640?
HUD's FY2027 Small Area Fair Market Rents for 95640 are $1,450 (studio), $1,460 (1 BR), $1,860 (2 BR), $2,340 (3 BR) and $2,710 (4 BR) a month.
What is the Section 8 payment standard in 95640?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95640 that range is $1,674 to $2,046 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 95640?
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.