Modesto, CA: 2-bedroom payment standards across 27 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for Modesto, CA MSA range from $1,410 to $2,340 for a 2-bedroom. The 90th-percentile ZIP code runs 1.39× the 10th — a gap of $560 a month — which ranks 106th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 27 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,936 at 110%.
monthly gap between the 90th- and 10th-percentile ZIP code ($1,434 to $1,994).
of the area's ZIP codes (6 of 27) sit above $1,936 — 110% of the area median.
Highest-rent ZIP codes in Modesto, CA
Every ZIP code, ranked
The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 95368 | $2,340 | $2,106–$2,574 | above 110% |
| 2 | 95357 | $2,310 | $2,079–$2,541 | above 110% |
| 3 | 95363 | $2,000 | $1,800–$2,200 | above 110% |
| 4 | 95356 | $1,990 | $1,791–$2,189 | above 110% |
| 5 | 95382 | $1,960 | $1,764–$2,156 | above 110% |
| 6 | 95326 | $1,950 | $1,755–$2,145 | above 110% |
| 7 | 95355 | $1,930 | $1,737–$2,123 | 110% |
| 8 | 95324 | $1,810 | $1,629–$1,991 | 103% |
| 9 | 95358 | $1,800 | $1,620–$1,980 | 102% |
| 10 | 95354 | $1,770 | $1,593–$1,947 | 101% |
| 11 | 95307 | $1,760 | $1,584–$1,936 | 100% |
| 12 | 95352 | $1,760 | $1,584–$1,936 | 100% |
| 13 | 95353 | $1,760 | $1,584–$1,936 | 100% |
| 14 | 95381 | $1,760 | $1,584–$1,936 | 100% |
| 15 | 95397 | $1,760 | $1,584–$1,936 | 100% |
| 16 | 95350 | $1,750 | $1,575–$1,925 | 99% |
| 17 | 95386 | $1,730 | $1,557–$1,903 | 98% |
| 18 | 95380 | $1,630 | $1,467–$1,793 | 93% |
| 19 | 95351 | $1,620 | $1,458–$1,782 | 92% |
| 20 | 95387 | $1,620 | $1,458–$1,782 | 92% |
| 21 | 95316 | $1,570 | $1,413–$1,727 | 89% |
| 22 | 95360 | $1,520 | $1,368–$1,672 | 86% |
| 23 | 95328 | $1,510 | $1,359–$1,661 | 86% |
| 24 | 95322 | $1,450 | $1,305–$1,595 | 82% |
| 25 | 95313 | $1,410 | $1,269–$1,551 | 80% |
| 26 | 95319 | $1,410 | $1,269–$1,551 | 80% |
| 27 | 95323 | $1,410 | $1,269–$1,551 | 80% |
How Modesto, CA compares
Its internal spread of 1.39× (p90 ÷ p10) ranks 106 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.17×. See the full ranking and how it was measured →
A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.