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San Joaquin County/Stockton/95219

95219

ZIPSAFMR
San Joaquin County, CA
Zillow

ZIP Investment Score

106Above average

095130300
BRFMR
Eff. Rent
0 BR$1,720$1,890
1 BR$1,830$1,920
2 BR$2,270$2,370
3 BR$3,140$2,870
4 BR$3,790$3,140
5 BR$4,359Not available
6 BR$5,012Not available
7 BR$5,764Not available
8 BR$6,629Not available

Purchase Price Calculator

Maximum purchase price
$290,265

Cost breakdown

+Likely effective rent$2,370
HUD FMR$2,270
Market rent$2,420
Est. payment standard (104%)Used$2,370
-Principal and interest-$1,468
Loan amount$232,212
Down payment$58,053
Rate6.50%
Term30 years
-Operating costs-$702
Property taxes-$290
Insurance-$175
Utilities$0
HOA$0
Management-$237
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,838(65.2% ROI)
Projected value
$312,583
Return breakdown
Property appreciation+$22,319
Loan principal paid down+$8,320
Rental cash flow+$7,200
5-year hold
+$64,979(111.9% ROI)
Projected value
$328,408
Return breakdown
Property appreciation+$38,143
Loan principal paid down+$14,836
Rental cash flow+$12,000
10-year hold
+$140,650(242.3% ROI)
Projected value
$371,563
Return breakdown
Property appreciation+$81,299
Loan principal paid down+$35,352
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.83
1 BR
0.93
2 BR
0.94
3 BR
1.09
4 BR
1.21
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 95219 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95219 (Stockton, CA) is $2,270 a month. That is up 7.6% from $2,110 in FY 2026. Stockton is in the Stockton-Lodi, CA MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,015. Among 40 ZIP codes in San Joaquin County, 95219 has the 10th-highest two-bedroom rent (county range $1,180–$3,020). The median county two-bedroom FMR in California is $1,725, so ZIP 95219 is 32% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95219
BedroomsFY 2027Change90–110% range
Studio$1,720+15.4%$1,548–$1,892
1BR$1,830+5.8%$1,647–$2,013
2BR$2,270+7.6%$2,043–$2,497
3BR$3,140+14.2%$2,826–$3,454
4BR$3,790+14.2%$3,411–$4,169

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95219
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,720$1,830$2,270$3,140$3,790
FY 2026$1,490$1,730$2,110$2,750$3,320
FY 2025$1,650$1,920$2,340$3,010$3,560
FY 2024$1,500$1,780$2,170$2,830$3,340
FY 2023$1,390$1,670$2,050$2,710$3,230

Two-bedroom rent in nearby San Joaquin County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95219
95207$2,030−10.6%
95208$2,020−11.0%
95209$2,150−5.3%
95210$1,770−22.0%
95211$1,790−21.1%
95212$2,810+23.8%
95213$2,020−11.0%
95215$1,600−29.5%
95219Current$2,270—
95220$1,740−23.3%
95227$1,840−18.9%
95230$2,190−3.5%

Questions about ZIP 95219 rents

How much will Section 8 pay for a two-bedroom in ZIP 95219?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,015, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,814 to $2,217 a month; under the ZIP-level Small Area FMR of $2,270 it would be $2,043 to $2,497. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 95219 in?

ZIP 95219 is in the Stockton-Lodi, CA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,015.

How much did fair market rent change in ZIP 95219 for FY 2027?

The two-bedroom FMR rose 7.6%, from $2,110 in FY 2026 to $2,270 in FY 2027. Since FY 2023 it has risen 10.7%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentStockton, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources