Location: Trinity County, CA | Metro: Trinity County, CA
| Unit Size | Monthly FMR |
|---|---|
| Studio | $940 |
| 1 Bedroom | $1,020 |
| 2 Bedrooms | $1,320 |
| 3 Bedrooms | $1,800 |
| 4 Bedrooms | $1,980 |
| 5 Bedrooms | $2,297 |
| 6 Bedrooms | $2,573 |
| 7 Bedrooms | $2,779 |
| 8 Bedrooms | $2,918 |
U.S. Census Bureau data (2024)
ZIP 95595, located in Trinity County, California, can serve as a diversifier in a Section 8 portfolio strategy due to its significant renter share and median income levels.
The area has a 36.5% renter share, indicating a substantial portion of the population relies on rental properties. This makes it an ideal location for landlords and small-portfolio investors looking to expand their tenant base and mitigate risks associated with market volatility. Additionally, the median income of $28,704 aligns well with the financial assistance provided through Section 8 programs, ensuring a steady stream of qualified tenants who can afford to live in the area without straining their budgets.
While the Fair Market Rent (FMR) for the metro area in fiscal year 2026 is projected at $1,340, there is insufficient data to determine the exact market rate or median home value. This lack of information suggests that ZIP 95595 may not be suitable as a cash-flow anchor or an appreciation play given the absence of clear metrics for comparison. However, its characteristics make it a strong candidate for diversification.
A diversifier ZIP code such as 95595 allows investors to spread their risk across different types of investments and geographic locations. By including this ZIP code in a broader portfolio, landlords can balance higher-risk, higher-reward markets with stable, lower-income areas where demand for affordable housing is high and turnover rates are likely to be lower.
In conclusion, ZIP 95595 should be considered as a diversifier within a Section 8 portfolio strategy. Its high renter share and median income level provide a solid foundation for attracting and retaining tenants, while the limited data on market rates and home values suggest a focus on stability rather than rapid appreciation or cash flow maximization.
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.