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Tuolumne County/Sonora/95370

95370

ZIPSAFMR
Tuolumne County, CA
Zillow

ZIP Investment Score

82Below average

095130300
BRFMR
Eff. Rent
0 BR$1,180$1,300
1 BR$1,340$1,450
2 BR$1,690$1,830
3 BR$2,200$2,150
4 BR$2,820$2,290
5 BR$3,243Not available
6 BR$3,729Not available
7 BR$4,289Not available
8 BR$4,932Not available

Purchase Price Calculator

Maximum purchase price
$210,021

Cost breakdown

+Likely effective rent$1,830
HUD FMR$1,690
Market rent$1,910
Est. payment standard (108%)Used$1,830
-Principal and interest-$1,062
Loan amount$168,017
Down payment$42,004
Rate6.50%
Term30 years
-Operating costs-$568
Property taxes-$210
Insurance-$175
Utilities$0
HOA$0
Management-$183
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,368(69.9% ROI)
Projected value
$226,169
Return breakdown
Property appreciation+$16,149
Loan principal paid down+$6,020
Rental cash flow+$7,200
5-year hold
+$50,333(119.8% ROI)
Projected value
$237,619
Return breakdown
Property appreciation+$27,598
Loan principal paid down+$10,735
Rental cash flow+$12,000
10-year hold
+$108,402(258.1% ROI)
Projected value
$268,844
Return breakdown
Property appreciation+$58,824
Loan principal paid down+$25,579
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.84
1 BR
0.89
2 BR
0.88
3 BR
1.02
4 BR
1.23
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 95370 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95370 (Sonora, CA) is $1,690 a month. That is up 1.2% from $1,670 in FY 2026. Sonora is in the Tuolumne County, CA non-metropolitan FMR area. 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 county-wide two-bedroom FMR of $1,603. Among 15 ZIP codes in Tuolumne County, 95370 has the 8th-highest two-bedroom rent (county range $1,440–$2,120). The median county two-bedroom FMR in California is $1,725, so ZIP 95370 is 2% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 95370
BedroomsFY 2027Change90–110% range
Studio$1,180+2.6%$1,062–$1,298
1BR$1,340+1.5%$1,206–$1,474
2BR$1,690+1.2%$1,521–$1,859
3BR$2,200+0.9%$1,980–$2,420
4BR$2,820+0.7%$2,538–$3,102

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 95370
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,180$1,340$1,690$2,200$2,820
FY 2026$1,150$1,320$1,670$2,180$2,800
FY 2025$1,040$1,190$1,520$2,000$2,550
FY 2024area FMR$919$1,032$1,356$1,795$2,301
FY 2023area FMR$794$902$1,187$1,567$2,022

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Tuolumne County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 95370
95321$1,770+4.7%
95327$1,440−14.8%
95335$1,750+3.6%
95346$1,840+8.9%
95347$1,600−5.3%
95364$1,600−5.3%
95370Current$1,690—
95372$2,120+25.4%
95373$1,600−5.3%
95375$1,600−5.3%
95379$1,860+10.1%
95383$2,070+22.5%

Questions about ZIP 95370 rents

How much will Section 8 pay for a two-bedroom in ZIP 95370?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,603, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,443 to $1,763 a month; under the ZIP-level Small Area FMR of $1,690 it would be $1,521 to $1,859. 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 95370 in?

ZIP 95370 is in the Tuolumne County, CA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,603.

How much did fair market rent change in ZIP 95370 for FY 2027?

The two-bedroom FMR rose 1.2%, from $1,670 in FY 2026 to $1,690 in FY 2027. Since FY 2025 it has risen 11.2%.

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