Location: Sacramento--Roseville--Arden-Arcade, CA | Metro: Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area
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 | $1,540 |
| 1 Bedroom | $1,590 |
| 2 Bedrooms | $1,950 |
| 3 Bedrooms | $2,560 |
| 4 Bedrooms | $2,950 |
| 5 Bedrooms | $3,422 |
| 6 Bedrooms | $3,833 |
| 7 Bedrooms | $4,140 |
| 8 Bedrooms | $4,347 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 3BR | $2,560 | $668,843 | 0.38% | F |
U.S. Census Bureau data (2024)
The ZIP code 95664 is not predominantly a renter-heavy area. With only 6.2% of the population being renters, it indicates that this region is largely dominated by homeowners. The median household income stands at $117,901, which is significantly higher than the average rent in the area. However, since specific market rent figures are not available, we can use the Fair Market Rent (FMR) as a reference point.
The FMR for ZIP 95664 is set at $2140 for FY 2024. This means that a typical renter would spend approximately 18.2% of their annual income on rent, calculated as follows: ($2140 * 12) / $117,901 = 0.182, or 18.2%. This percentage is relatively low, suggesting that rent is affordable for most residents in this ZIP code.
In comparison to the income levels, the FMR represents a modest portion of the average household's earnings, indicating that tenants in this area are likely to have disposable income beyond rent payments. Landlords in ZIP 95664 should anticipate a tenant pool that includes individuals and families who are financially stable and capable of meeting rental obligations without heavy reliance on housing vouchers.
The scarcity of vouchers in this area implies that landlords will primarily encounter tenants who are able to pay market rates without assistance. These tenants are likely to be employed professionals or retirees with steady incomes, making them reliable and desirable for property owners looking to minimize risks associated with late payments or non-payment.
To conclude, ZIP 95664 is not an area characterized by deep voucher demand but rather by a smaller, yet financially robust, tenant base. Landlords should prepare for a tenant profile that is less dependent on government subsidies and more inclined towards paying market rents based on their economic status.
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.