Location: Calaveras County, CA | Metro: Calaveras County, CA
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $1,350 |
| 1 Bedroom | $1,430 |
| 2 Bedrooms | $1,870 |
| 3 Bedrooms | $2,590 |
| 4 Bedrooms | $2,710 |
| 5 Bedrooms | $3,144 |
| 6 Bedrooms | $3,521 |
| 7 Bedrooms | $3,803 |
| 8 Bedrooms | $3,993 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,870 | $414,917 | 0.45% | F |
| 3BR | $2,590 | $513,183 | 0.5% | F |
| 4BR | $2,710 | $677,317 | 0.4% | F |
U.S. Census Bureau data (2024)
The ZIP code 95228, located in Copperopolis, California, presents a dynamic rental market. With a Fair Market Rent (FMR) set at $1,860 for the fiscal year 2026, and the current market rent at $2,077 according to Census ACS data, there is a clear indication that the rental market is robust and slightly above fair market standards. This suggests that demand for rental properties in Copperopolis is strong, possibly due to the area's desirability or limited supply.
A 0.2% price-cut share reveals that landlords are generally maintaining their rents without significant reductions, indicating confidence in the ability to retain tenants at current rates. The fact that the Days on Market (DOM) data is not available suggests that homes are likely selling quickly, which can be interpreted as a sign of a healthy real estate market with active buyer interest. The median home value of $521,968 also supports the idea that the housing market is stable and valued, attracting both buyers and renters.
The 15.4% renter share in Copperopolis provides insight into the long-term housing pressures. A lower percentage of renters typically means a higher rate of homeownership, which can indicate a stable community with fewer short-term fluctuations in housing demand. However, it also implies that a significant portion of the population might be facing long-term housing challenges, as they choose or are forced to remain renters rather than purchase homes. This could suggest an ongoing need for affordable housing options, especially if the median home value is beyond what many residents can afford.
In summary, the market in Copperopolis appears to favor demand over supply, with strong rental prices and a stable median home value. The relatively low renter share indicates a predominantly owner-occupied community but also points to potential long-term housing issues that could affect future market dynamics.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.