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San Joaquin County/Acampo/95220

95220

ZIPSAFMR
San Joaquin County, CA
Zillow

ZIP Investment Score

47Below average

095130300
BRFMR
Eff. Rent
0 BR$1,320$1,450
1 BR$1,410$1,550
2 BR$1,740$1,910
3 BR$2,410$2,290
4 BR$2,910$2,440
5 BR$3,346Not available
6 BR$3,848Not available
7 BR$4,426Not available
8 BR$5,090Not available

Purchase Price Calculator

Maximum purchase price
$221,909

Cost breakdown

+Likely effective rent$1,910
HUD FMR$1,740
Market rent$2,180
Est. payment standard (110%)Used$1,910
-Principal and interest-$1,122
Loan amount$177,527
Down payment$44,382
Rate6.50%
Term30 years
-Operating costs-$588
Property taxes-$222
Insurance-$175
Utilities$0
HOA$0
Management-$191
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,623(69.0% ROI)
Projected value
$238,971
Return breakdown
Property appreciation+$17,063
Loan principal paid down+$6,360
Rental cash flow+$7,200
5-year hold
+$52,503(118.3% ROI)
Projected value
$251,069
Return breakdown
Property appreciation+$29,161
Loan principal paid down+$11,342
Rental cash flow+$12,000
10-year hold
+$113,180(255.0% ROI)
Projected value
$284,062
Return breakdown
Property appreciation+$62,153
Loan principal paid down+$27,026
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.85
1 BR
0.87
2 BR
0.80
3 BR
1.05
4 BR
1.19
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 95220 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95220 (Acampo, CA) is $1,740 a month. That is up 13.0% from $1,540 in FY 2026. Acampo 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, 95220 has the 32nd-highest two-bedroom rent (county range $1,180–$3,020).

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95220
BedroomsFY 2027Change90–110% range
Studio$1,320+15.8%$1,188–$1,452
1BR$1,410+14.6%$1,269–$1,551
2BR$1,740+13.0%$1,566–$1,914
3BR$2,410+12.6%$2,169–$2,651
4BR$2,910+12.8%$2,619–$3,201

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95220
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,320$1,410$1,740$2,410$2,910
FY 2026$1,140$1,230$1,540$2,140$2,580
FY 2025$1,170$1,280$1,630$2,280$2,740
FY 2024$1,110$1,230$1,590$2,240$2,700
FY 2023$1,110$1,230$1,610$2,290$2,740

Two-bedroom rent in nearby San Joaquin County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95220
95208$2,020+16.1%
95209$2,150+23.6%
95210$1,770+1.7%
95211$1,790+2.9%
95212$2,810+61.5%
95213$2,020+16.1%
95215$1,600−8.0%
95219$2,270+30.5%
95220Current$1,740—
95227$1,840+5.7%
95230$2,190+25.9%
95231$2,330+33.9%

Questions about ZIP 95220 rents

How much will Section 8 pay for a two-bedroom in ZIP 95220?

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 $1,740 it would be $1,566 to $1,914. 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 95220 in?

ZIP 95220 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 95220 for FY 2027?

The two-bedroom FMR rose 13.0%, from $1,540 in FY 2026 to $1,740 in FY 2027. Since FY 2023 it has risen 8.1%.

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