FMR is below market; voucher rent may lag private rents.
0.66
1 BR
1 BR
0.80ratio
FMR$1,180
Market$1,470
vs market-$290
FMR is below market; voucher rent may lag private rents.
0.80
2 BR
2 BR
0.96ratio
FMR$1,550
Market$1,620
vs market-$70
FMR is near market; voucher and private rents are aligned.
0.96
3 BR
3 BR
1.03ratio
FMR$2,150
Market$2,090
vs market+$60
FMR is near market; voucher and private rents are aligned.
1.03
4 BR
4 BR
1.12ratio
FMR$2,590
Market$2,320
vs market+$270
FMR is above market; underwrite to market rent.
1.12
0.700.800.901.001.101.201.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
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ZIP 95518 fair market rent, FY 2027
For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 95518 (Arcata, CA) is $1,550 a month. That is unchanged from FY 2026. Arcata is in the Humboldt 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 $1,554. Among 38 ZIP codes in Humboldt County, 95518 is tied for the 11th-highest two-bedroom rent (county range $1,400–$2,270). The median county two-bedroom FMR in California is $1,725, so ZIP 95518 is 10% below it.
FY 2027 rent by bedroom
FY 2027 fair market rent by bedroom for 95518
Bedrooms
FY 2026
FY 2027
Change
90–110% range
Studio
$1,110
$1,120
+0.9%
$1,008–$1,232
1BR
$1,190
$1,180
−0.8%
$1,062–$1,298
2BR
$1,550
$1,550
0.0%
$1,395–$1,705
3BR
$2,160
$2,150
−0.5%
$1,935–$2,365
4BR
$2,600
$2,590
−0.4%
$2,331–$2,849
Fair market rent history, FY 2023–2027
Fair market rent by fiscal year for 95518
Fiscal year
Studio
1BR
2BR
3BR
4BR
FY 2027
$1,120
$1,180
$1,550
$2,150
$2,590
FY 2026
$1,110
$1,190
$1,550
$2,160
$2,600
FY 2025
$1,070
$1,130
$1,480
$2,070
$2,490
FY 2024area FMR
$950
$1,032
$1,352
$1,905
$2,294
FY 2023area FMR
$812
$907
$1,183
$1,681
$2,015
Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.
Two-bedroom rent in nearby Humboldt County ZIP codes
How much will Section 8 pay for a two-bedroom in ZIP 95518?
Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,554, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,399 to $1,709 a month; under the ZIP-level Small Area FMR of $1,550 it would be $1,395 to $1,705. 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 95518 in?
ZIP 95518 is in the Humboldt County, CA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,554.
How much did fair market rent change in ZIP 95518 for FY 2027?
The two-bedroom FMR was unchanged at $1,550 in FY 2027. Since FY 2025 it has risen 4.7%.
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