HUD Fair Market Rent · FY 2026 · Effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Amador County, California (FY 2026)
$1,698 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Amador County, and it's the baseline every voucher in Amador is measured against.
Two-bedroom FMR
$1,698
+13.7% from FY 2025
Payment standard
$1,528–$1,868
90% to 110% of the FMR, two-bedroom
Income to afford
$67,920
a year, with rent at 30% of income
Rank in California
29th of 58
by two-bedroom FMR, highest first
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Amador moves to $1,765. That's up 4%. The full FY 2027 table is in the history section below.
FY 2026 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $1,387 | $1,248–$1,526 | $55,480 | $26.67/hr | +10.7% |
| 1 bedroom | $1,396 | $1,256–$1,536 | $55,840 | $26.85/hr | +10.8% |
| 2 bedroom | $1,698 | $1,528–$1,868 | $67,920 | $32.65/hr | +13.7% |
| 3 bedroom | $2,220 | $1,998–$2,442 | $88,800 | $42.69/hr | +6.5% |
| 4 bedroom | $2,714 | $2,443–$2,985 | $108,560 | $52.19/hr | +8.3% |
Five to eight bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $3,121 | $2,809–$3,433 |
| 6 bedroom Estimate | $3,528 | $3,175–$3,881 |
| 7 bedroom Estimate | $3,935 | $3,542–$4,329 |
| 8 bedroom Estimate | $4,342 | $3,908–$4,776 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Amador actually rent for?
Search any address in Amador for a rent estimate built from nearby comps, with the HUD figure right next to it.
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What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Amador somewhere between $1,528 and $1,868. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,698 a month is affordable, by HUD's 30% rule, on an income of roughly $67,920 a year. Put another way, $33 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$1,528 | Voucher pays at 100%$1,698 | Voucher pays at 110%$1,868 |
|---|---|---|---|---|
| $2,500 | $750 | $778 | $948 | $1,118 |
| $4,000 | $1,200 | $328 | $498 | $668 |
Rate history
The two-bedroom rate went up 14% from FY 2025 ($1,493) to FY 2026 ($1,698). Since FY 2020 it's up 51% in total, about 7.1% a year. The California median moved up 9% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $851 | $856 | $1,128 | $1,627 | $1,908 | — |
| FY 2021 | $880 | $886 | $1,149 | $1,644 | $1,980 | +1.9% |
| FY 2022 | $920 | $926 | $1,148 | $1,631 | $1,965 | -0.1% |
| FY 2023 | $992 | $998 | $1,199 | $1,704 | $2,042 | +4.4% |
| FY 2024 | $1,128 | $1,135 | $1,347 | $1,898 | $2,286 | +12.3% |
| FY 2025 | $1,253 | $1,260 | $1,493 | $2,084 | $2,507 | +10.8% |
| FY 2026In effect | $1,387 | $1,396 | $1,698 | $2,220 | $2,714 | +13.7% |
| FY 2027From Oct 1, 2026 | $1,373 | $1,381 | $1,765 | $2,219 | $2,568 | +3.9% |
About this rate
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Amador, that runs from $1,387 for a studio up to $2,714 for four bedrooms, all five rates in the table above.
Because Amador sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Amador City included.
Among California's 58 counties, Amador ranks 29th for two-bedroom FMR. That's within a couple percent of the state median of $1,687 and about 67% above the national median county at $1,018. About 40,577 people live here, 46th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,520 in 95669 (Plymouth) and $1,900 in 95642 (Jackson), with the 12 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 95601 | Amador City | $1,630 | -4.0% |
| 95629 | Fiddletown | $1,770 | +4.2% |
| 95640 | Ione | $1,760 | +3.7% |
| 95642 | Jackson | $1,900 | +11.9% |
| 95644 | Kit Carson | $1,698County rate | — |
| 95654 | Martell | $1,700 | +0.1% |
| 95665 | Pine Grove | $1,570 | -7.5% |
| 95666 | Pioneer | $1,640 | -3.4% |
| 95669 | Plymouth | $1,520 | -10.5% |
| 95675 | River Pines | $1,800 | +6.0% |
| 95685 | Sutter Creek | $1,630 | -4.0% |
| 95689 | Volcano | $1,580 | -6.9% |
| 95699 | Drytown | $1,610 | -5.2% |
Nearby counties
Two-bedroom FMR, with how each compares to Amador.
Calaveras County
18 mi · 45,674 people
$1,542
-9%
El Dorado County
27 mi · 191,713 people
$2,255
+33%
Placer County
39 mi · 406,608 people
$2,255
+33%
Sacramento County
40 mi · 1,579,211 people
$2,255
+33%
Tuolumne County
41 mi · 54,993 people
$1,589
-6%
Alpine County
45 mi · 1,515 people
$1,529
-10%
San Joaquin County
46 mi · 779,445 people
$1,742
+3%
Nevada County
57 mi · 102,322 people
$1,813
+7%
Questions people ask
$1,698 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,387 for a studio, $1,396 for one bedroom, $2,220 for three and $2,714 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
Payment standard and tenant share for a specific rent
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords
Rent affordability calculator
The income a household needs for a given rent
What does a rental in Amador actually go for?
HUD's number is one input. Search any address in Amador for a rent estimate built from nearby comps. 3 free searches, no card.
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