Location: Stockton-Lodi, CA | Metro: Stockton-Lodi, CA MSA
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 | $1,360 |
| 1 Bedroom | $1,450 |
| 2 Bedrooms | $1,790 |
| 3 Bedrooms | $2,480 |
| 4 Bedrooms | $2,990 |
| 5 Bedrooms | $3,468 |
| 6 Bedrooms | $3,884 |
| 7 Bedrooms | $4,195 |
| 8 Bedrooms | $4,405 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,790 | $441,247 | 0.41% | F |
| 3BR | $2,480 | $536,832 | 0.46% | F |
| 4BR | $2,990 | $735,528 | 0.41% | F |
U.S. Census Bureau data (2024)
The market analysis for Section 8 investors targeting ZIP code 95258, Woodbridge, CA, reveals that the Fair Market Rent (FMR) set by the U.S. Department of Housing and Urban Development (HUD) for fiscal year 2024 is $1,490. This figure is slightly below the market rent average of $1,566 as reported by the Census Bureau's American Community Survey (ACS). Given these numbers, landlords and small-portfolio investors can expect to cashflow marginally with standard units, but they will need to focus on premium units to ensure a positive cash flow.
To further analyze the investment potential, consider the median home value in the area, which stands at $598,974. The rent-to-price ratio for ZIP 95258 can be calculated using the HUD FMR, resulting in approximately 1.15%. This ratio suggests that rental income relative to property values is relatively low, indicating that the primary benefit for investors in this area is likely to come from stable cash flows rather than high rental yields.
The dynamics of days on market (DOM) and price-cut shares are not applicable (N/A) in this context since the analysis focuses on rental properties. However, the low rent-to-price ratio does suggest that buying might be more attractive than renting for some individuals, which could impact the demand for rental properties and thus influence the stability of the rental market.
In conclusion, the strongest investor angle in ZIP 95258 is stability. While cashflow will be modest, the steady demand for rental housing, especially from voucher tenants, ensures a reliable and consistent income stream. Appreciation is less likely to be a significant factor given the current economic conditions and the relatively low rent-to-price ratio.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). 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.