FY2027 Small Area FMR · Sutter Creek, CA
ZIP 95685 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 95685 (Sutter Creek, CA) is $1,750 a month, up 7.4% from FY2026. That is 1% below the Amador County, CA area-wide FMR of $1,765.
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 95685 sits in the Amador County, CA area
Of the 13 ZIP codes HUD lists for the area, 95685 has the 7th highest two-bedroom Small Area FMR. Amador 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 $1,765 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,750 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,360 | $1,224 – $1,496 | $1,373 | $1,330 |
| 1 bedroom | $1,370 | $1,233 – $1,507 | $1,381 | $1,340 |
| 2 bedrooms | $1,750 | $1,575 – $1,925 | $1,765 | $1,630 |
| 3 bedrooms | $2,200 | $1,980 – $2,420 | $2,219 | $2,130 |
| 4 bedrooms | $2,550 | $2,295 – $2,805 | $2,568 | $2,610 |
A household renting a two-bedroom home at the Small Area FMR of $1,750 needs about $70,000 a year to keep housing costs at 30% of income. The area median family income is $110,500 and the 80% low-income limit for four people is $88,400. ZIP code 95685 lies mainly in Amador County. See the Amador 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 95685?
HUD's FY2027 Small Area Fair Market Rents for 95685 are $1,360 (studio), $1,370 (1 BR), $1,750 (2 BR), $2,200 (3 BR) and $2,550 (4 BR) a month.
What is the Section 8 payment standard in 95685?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 95685 that range is $1,575 to $1,925 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 95685?
The FY2026 income limits of the Amador County, CA area apply: median family income $110,500, low-income (80%) limit $88,400 for a family of four.