Section 8 Fair Market Rent (FMR) for ZIP 95546 - 2027

FY 2027 Fair Market Rent Rates

Unit Size	Monthly FMR
Studio	$1,010
1 Bedroom	$1,070
2 Bedrooms	$1,400
3 Bedrooms	$1,950
4 Bedrooms	$2,340
5 Bedrooms	$2,714
6 Bedrooms	$3,040
7 Bedrooms	$3,283
8 Bedrooms	$3,447

Demographics & Housing Statistics

U.S. Census Bureau data (2024)

Based on the available data, ZIP 95546 in Humboldt County, CA, can be considered a **cash-flow anchor** within a Section 8 portfolio strategy. The median family income in the area is $61,607, and the median home value is $253,400, which suggests that the cost of living is relatively low compared to other metropolitan areas. This ZIP code is located within the Humboldt County metro area where the Fair Market Rent (FMR) for FY 2026 is set at $1,450. Given the local market rent of $885, there is a significant spread of $565 between the FMR and the market rent, making it an attractive option for landlords who wish to secure stable rental income through Section 8 vouchers.

The spread indicates that properties in ZIP 95546 can command higher rents under Section 8 than what the local market would typically bear. This means that landlords can expect better cash flow from their investments in this ZIP code. With the FMR being substantially higher than the market rent, there is less risk of vacancy as tenants are willing to pay up to the FMR rate. Additionally, the lower median home value implies that property acquisition costs are also relatively low, enhancing the potential profitability of each unit.

A cash-flow anchor is essential for any diversified real estate investment portfolio, especially when dealing with government-assisted housing programs like Section 8. It provides a consistent and reliable source of income, which can offset the risks associated with other types of investments. In this case, ZIP 95546 offers a solid foundation for cash flow due to the favorable rent-to-value ratio and the guaranteed income from Section 8 vouchers.

While the appreciation potential is unclear with the given data, and the diversification factor is present with a 24.9% renter share, the primary focus should be on the cash flow stability that ZIP 95546 can offer. Landlords and small-portfolio investors can leverage this ZIP code to ensure a steady stream of rental income, which is crucial for maintaining financial health and growth over time.

Data Sources: FMR data from HUD (2027). 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.