California · FIPS 06077 · HUD FY 2027
San Joaquin County, California Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in San Joaquin County is $2,015 a month (rent plus utilities), 23% below the California average of $2,632 and 14% above the U.S. average of $1,761. That is up $273 (15.7%) from FY 2026. At 30% of income, a household needs about $80,600 a year to afford it.
- $2,0152-bedroom FMR+$273 (+15.7%) vs FY 2026
- $1,6281-bedroom FMRCalifornia: $2,151 · U.S.: $1,478
- $80,600Income for a 2-bedroom$39/hour full-time
- 25 of 582BR rank in California1 = highest rent
| Unit | San Joaquin County FY 2027 | FY 2026 | Change | California avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $1,525 | $1,288 | +$237 (+18.4%) | $1,986 | $1,379 | $61,000 |
| 1 bedroom | $1,628 | $1,395 | +$233 (+16.7%) | $2,151 | $1,478 | $65,120 |
| 2 bedrooms | $2,015 | $1,742 | +$273 (+15.7%) | $2,632 | $1,761 | $80,600 |
| 3 bedrooms | $2,790 | $2,423 | +$367 (+15.1%) | $3,457 | $2,266 | $111,600 |
| 4 bedrooms | $3,368 | $2,922 | +$446 (+15.3%) | $3,986 | $2,607 | $134,720 |
How San Joaquin County compares
- HUD sets this rent for the Stockton-Lodi, CA metro FMR area, which covers 797,334 residents in 1 county.
- Across California, 2-bedroom FMRs run from $1,084 (Modoc County) to $4,254 (Santa Cruz County).
- Studio to 4-bedroom: $1,525, $1,628, $2,015, $2,790, $3,368. HUD derives the other sizes from the 2-bedroom figure with fixed ratios, adjusted where local data warrant.
- HUD also publishes ZIP-level Small Area FMRs. For the 30 ZIP codes mostly in San Joaquin County (by land area), the 2-bedroom figure ranges from $1,180 to $3,020.
Small Area FMRs by ZIP code in San Joaquin County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 95202 | $880 | $940 | $1,180 | $1,660 | $2,000 | −$130 (−9.9%) | 41% below |
| 95203 | $1,150 | $1,230 | $1,520 | $2,100 | $2,540 | +$210 (+16.0%) | 25% below |
| 95204 | $1,260 | $1,350 | $1,670 | $2,310 | $2,790 | +$140 (+9.2%) | 17% below |
| 95205 | $1,260 | $1,340 | $1,660 | $2,300 | $2,770 | +$220 (+15.3%) | 18% below |
| 95206 | $1,360 | $1,450 | $1,790 | $2,480 | $2,990 | +$260 (+17.0%) | 11% below |
| 95207 | $1,540 | $1,640 | $2,030 | $2,810 | $3,390 | +$270 (+15.3%) | 1% above |
| 95209 | $1,630 | $1,740 | $2,150 | $2,980 | $3,590 | +$210 (+10.8%) | 7% above |
| 95210 | $1,340 | $1,430 | $1,770 | $2,450 | $2,960 | +$220 (+14.2%) | 12% below |
| 95211 | $1,360 | $1,450 | $1,790 | $2,480 | $3,000 | +$180 (+11.2%) | 11% below |
| 95212 | $2,130 | $2,270 | $2,810 | $3,890 | $4,700 | +$390 (+16.1%) | 39% above |
| 95215 | $1,210 | $1,290 | $1,600 | $2,220 | $2,670 | +$220 (+15.9%) | 21% below |
| 95219 | $1,720 | $1,830 | $2,270 | $3,140 | $3,790 | +$160 (+7.6%) | 13% above |
| 95220 | $1,320 | $1,410 | $1,740 | $2,410 | $2,910 | +$200 (+13.0%) | 14% below |
| 95227 | $1,410 | $1,490 | $1,840 | $2,490 | $2,960 | +$130 (+7.6%) | 9% below |
| 95231 | $1,760 | $1,880 | $2,330 | $3,230 | $3,890 | +$400 (+20.7%) | 16% above |
| 95236 | $1,500 | $1,600 | $1,980 | $2,740 | $3,300 | +$140 (+7.6%) | 2% below |
| 95237 | $1,170 | $1,240 | $1,540 | $2,130 | $2,570 | +$140 (+10.0%) | 24% below |
| 95240 | $1,440 | $1,530 | $1,900 | $2,630 | $3,180 | +$250 (+15.2%) | 6% below |
| 95242 | $1,740 | $1,860 | $2,300 | $3,180 | $3,840 | +$280 (+13.9%) | 14% above |
| 95253 | $1,140 | $1,210 | $1,500 | $2,080 | $2,510 | +$50 (+3.4%) | 26% below |
| 95258 | $1,360 | $1,450 | $1,790 | $2,480 | $2,990 | +$260 (+17.0%) | 11% below |
| 95304 | $2,180 | $2,330 | $2,880 | $3,990 | $4,810 | +$280 (+10.8%) | 43% above |
| 95320 | $1,480 | $1,580 | $1,960 | $2,710 | $3,280 | +$240 (+14.0%) | 3% below |
| 95330 | $2,130 | $2,270 | $2,810 | $3,890 | $4,700 | +$450 (+19.1%) | 39% above |
| 95336 | $1,640 | $1,740 | $2,160 | $2,990 | $3,610 | +$240 (+12.5%) | 7% above |
| 95337 | $1,860 | $1,990 | $2,460 | $3,410 | $4,110 | +$370 (+17.7%) | 22% above |
| 95366 | $1,640 | $1,750 | $2,170 | $3,000 | $3,630 | +$290 (+15.4%) | 8% above |
| 95376 | $1,790 | $1,910 | $2,370 | $3,280 | $3,960 | +$270 (+12.9%) | 18% above |
| 95377 | $2,290 | $2,440 | $3,020 | $4,180 | $5,050 | +$410 (+15.7%) | 50% above |
| 95686 | $900 | $960 | $1,190 | $1,660 | $2,000 | −$120 (−9.2%) | 41% below |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
- ZIP-to-county assignment: Census Bureau 2020 ZCTA-to-county relationship file (file dated December 9, 2021), largest land-area overlap.
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.