Oakland-Fremont, CA: 2-bedroom payment standards across 110 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Oakland-Fremont, CA HUD Metro FMR Area range from $2,420 to $4,050 for a 2-bedroom. The 90th-percentile ZIP code runs 1.52× the 10th — a gap of $1,261 a month — which ranks 48th widest of the 247 HUD metro areas we compare.

ZIP-level standards are optional here. Oakland-Fremont, CA is not one of HUD's 65 designated Small Area FMR areas, so a housing authority may set one payment standard for the whole area, or adopt ZIP-level exception standards of up to 110% of a ZIP's published SAFMR. Where a single area-wide standard is used, the 29 ZIP codes below marked "above 110%" sit above the highest ceiling that basic policy reaches. Confirm what applies with the PHA that issued the voucher.

$2,920

median 2-bedroom SAFMR across the area's 110 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $3,212 at 110%.

$1,261

monthly gap between the 90th- and 10th-percentile ZIP code ($2,420 to $3,681).

26.4%

of the area's ZIP codes (29 of 110) sit above $3,212 — 110% of the area median.

Highest-rent ZIP codes in Oakland-Fremont, CA

2 BR Small Area FMR area median across all 110 ZIPs

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.

Filter by ZIP code

Showing 110 of 110 ZIP codes

#	ZIP code	2 BR SAFMR ▾	Payment standard (90–110%)	vs area median
1	94539	$4,050	$3,645–$4,455	above 110%
2	94568	$3,970	$3,573–$4,367	above 110%
3	94555	$3,940	$3,546–$4,334	above 110%
4	94549	$3,920	$3,528–$4,312	above 110%
5	94588	$3,890	$3,501–$4,279	above 110%
6	94598	$3,880	$3,492–$4,268	above 110%
7	94531	$3,750	$3,375–$4,125	above 110%
8	94506	$3,740	$3,366–$4,114	above 110%
9	94708	$3,720	$3,348–$4,092	above 110%
10	94583	$3,700	$3,330–$4,070	above 110%
11	94547	$3,690	$3,321–$4,059	above 110%
12	94538	$3,680	$3,312–$4,048	above 110%
13	94517	$3,620	$3,258–$3,982	above 110%
14	94536	$3,590	$3,231–$3,949	above 110%
15	94507	$3,550	$3,195–$3,905	above 110%
16	94556	$3,550	$3,195–$3,905	above 110%
17	94575	$3,550	$3,195–$3,905	above 110%
18	94582	$3,550	$3,195–$3,905	above 110%
19	94618	$3,430	$3,087–$3,773	above 110%
20	94560	$3,410	$3,069–$3,751	above 110%
21	94502	$3,390	$3,051–$3,729	above 110%
22	94596	$3,350	$3,015–$3,685	above 110%
23	94552	$3,340	$3,006–$3,674	above 110%
24	94566	$3,320	$2,988–$3,652	above 110%
25	94563	$3,280	$2,952–$3,608	above 110%
26	94586	$3,250	$2,925–$3,575	above 110%
27	94597	$3,250	$2,925–$3,575	above 110%
28	94608	$3,250	$2,925–$3,575	above 110%
29	94587	$3,230	$2,907–$3,553	above 110%
30	94551	$3,200	$2,880–$3,520	110%
31	94526	$3,170	$2,853–$3,487	109%
32	94513	$3,150	$2,835–$3,465	108%
33	94542	$3,150	$2,835–$3,465	108%
34	94710	$3,150	$2,835–$3,465	108%
35	94523	$3,130	$2,817–$3,443	107%
36	94501	$3,090	$2,781–$3,399	106%
37	94564	$3,090	$2,781–$3,399	106%
38	94545	$3,060	$2,754–$3,366	105%
39	94612	$3,060	$2,754–$3,366	105%
40	94514	$3,050	$2,745–$3,355	104%
41	94706	$3,050	$2,745–$3,355	104%
42	94609	$3,020	$2,718–$3,322	103%
43	94530	$3,010	$2,709–$3,311	103%
44	94546	$3,000	$2,700–$3,300	103%
45	94595	$2,990	$2,691–$3,289	102%
46	94707	$2,980	$2,682–$3,278	102%
47	94519	$2,970	$2,673–$3,267	102%
48	94528	$2,970	$2,673–$3,267	102%
49	94610	$2,970	$2,673–$3,267	102%
50	94521	$2,950	$2,655–$3,245	101%
51	94611	$2,930	$2,637–$3,223	100%
52	94537	$2,920	$2,628–$3,212	100%
53	94540	$2,920	$2,628–$3,212	100%
54	94543	$2,920	$2,628–$3,212	100%
55	94557	$2,920	$2,628–$3,212	100%
56	94604	$2,920	$2,628–$3,212	100%
57	94614	$2,920	$2,628–$3,212	100%
58	94615	$2,920	$2,628–$3,212	100%
59	94620	$2,920	$2,628–$3,212	100%
60	94623	$2,920	$2,628–$3,212	100%
61	94624	$2,920	$2,628–$3,212	100%
62	94661	$2,920	$2,628–$3,212	100%
63	94662	$2,920	$2,628–$3,212	100%
64	94701	$2,920	$2,628–$3,212	100%
65	94712	$2,920	$2,628–$3,212	100%
66	94522	$2,910	$2,619–$3,201	100%
67	94524	$2,910	$2,619–$3,201	100%
68	94570	$2,910	$2,619–$3,201	100%
69	94802	$2,910	$2,619–$3,201	100%
70	94807	$2,910	$2,619–$3,201	100%
71	94820	$2,910	$2,619–$3,201	100%
72	94850	$2,910	$2,619–$3,201	100%
73	94548	$2,880	$2,592–$3,168	99%
74	94518	$2,870	$2,583–$3,157	98%
75	94705	$2,870	$2,583–$3,157	98%
76	94541	$2,850	$2,565–$3,135	98%
77	94544	$2,850	$2,565–$3,135	98%
78	94580	$2,830	$2,547–$3,113	97%
79	94709	$2,800	$2,520–$3,080	96%
80	94703	$2,780	$2,502–$3,058	95%
81	94553	$2,760	$2,484–$3,036	95%
82	94577	$2,750	$2,475–$3,025	94%
83	94720	$2,750	$2,475–$3,025	94%
84	94569	$2,740	$2,466–$3,014	94%
85	94803	$2,740	$2,466–$3,014	94%
86	94619	$2,720	$2,448–$2,992	93%
87	94578	$2,710	$2,439–$2,981	93%
88	94805	$2,690	$2,421–$2,959	92%
89	94520	$2,670	$2,403–$2,937	91%
90	94704	$2,660	$2,394–$2,926	91%
91	94561	$2,630	$2,367–$2,893	90%
92	94565	$2,620	$2,358–$2,882	90%
93	94579	$2,600	$2,340–$2,860	89%
94	94572	$2,540	$2,286–$2,794	87%
95	94525	$2,530	$2,277–$2,783	87%
96	94806	$2,510	$2,259–$2,761	86%
97	94702	$2,470	$2,223–$2,717	85%
98	94607	$2,450	$2,205–$2,695	84%
99	94509	$2,420	$2,178–$2,662	83%
100	94511	$2,420	$2,178–$2,662	83%
101	94516	$2,420	$2,178–$2,662	83%
102	94601	$2,420	$2,178–$2,662	83%
103	94602	$2,420	$2,178–$2,662	83%
104	94603	$2,420	$2,178–$2,662	83%
105	94605	$2,420	$2,178–$2,662	83%
106	94606	$2,420	$2,178–$2,662	83%
107	94613	$2,420	$2,178–$2,662	83%
108	94621	$2,420	$2,178–$2,662	83%
109	94801	$2,420	$2,178–$2,662	83%
110	94804	$2,420	$2,178–$2,662	83%

Heads up: The figure above is the HUD Fair Market Rent. Your local Public Housing Authority (PHA) sets the actual payment standard — usually between 90% and 110% of it — so confirm your exact amount with the PHA that issued the voucher.

How Oakland-Fremont, CA compares

Its internal spread of 1.52× (p90 ÷ p10) ranks 48 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 1.18×. Note that this area's 90th or 10th percentile lands exactly on its highest or lowest ZIP code, so a single ZIP is carrying the p90/p10 figure — the p75/p25 measure is the better read here. 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.

This page shows official HUD Fair Market Rent data for general educational use — it is not legal, financial, or housing advice, and is not a guarantee of any voucher amount. Your local Public Housing Authority sets the actual payment standard and approves rents. Always confirm with your PHA and the official HUD FMR data.

Check a rent against a ZIP code → All 247 metro areas →