San Jose-Sunnyvale-Santa Clara, CA: 2-bedroom payment standards across 103 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area range from $2,540 to $4,740 for a 2-bedroom. The 90th-percentile ZIP code runs 1.33× the 10th — a gap of $1,026 a month — which ranks 146th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 103 ZIP codes. Each ZIP code carries its own standard here; your PHA sets a figure within 90–110% of that ZIP's SAFMR.
monthly gap between the 90th- and 10th-percentile ZIP code ($3,072 to $4,098).
of the area's ZIP codes (21 of 103) sit above $3,828 — 110% of the area median. Because ZIP-level standards are required here, that is a measure of the area's rent spread, not of ZIP codes left behind by a ceiling.
Highest-rent ZIP codes in San Jose-Sunnyvale-Santa Clara, 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, which here simply marks the top of the area's rent range — ZIP-level standards are required in this area, so no ZIP is capped by an area-wide figure.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 95134 | $4,740 | $4,266–$5,214 | above 110% |
| 2 | 95014 | $4,440 | $3,996–$4,884 | above 110% |
| 3 | 95054 | $4,430 | $3,987–$4,873 | above 110% |
| 4 | 94024 | $4,340 | $3,906–$4,774 | above 110% |
| 5 | 95139 | $4,290 | $3,861–$4,719 | above 110% |
| 6 | 94304 | $4,260 | $3,834–$4,686 | above 110% |
| 7 | 94040 | $4,250 | $3,825–$4,675 | above 110% |
| 8 | 94085 | $4,220 | $3,798–$4,642 | above 110% |
| 9 | 94022 | $4,190 | $3,771–$4,609 | above 110% |
| 10 | 94089 | $4,180 | $3,762–$4,598 | above 110% |
| 11 | 94087 | $4,110 | $3,699–$4,521 | above 110% |
| 12 | 95148 | $4,050 | $3,645–$4,455 | above 110% |
| 13 | 95135 | $4,040 | $3,636–$4,444 | above 110% |
| 14 | 94020 | $4,030 | $3,627–$4,433 | above 110% |
| 15 | 95051 | $3,960 | $3,564–$4,356 | above 110% |
| 16 | 94301 | $3,950 | $3,555–$4,345 | above 110% |
| 17 | 95070 | $3,940 | $3,546–$4,334 | above 110% |
| 18 | 94041 | $3,880 | $3,492–$4,268 | above 110% |
| 19 | 94086 | $3,870 | $3,483–$4,257 | above 110% |
| 20 | 95132 | $3,870 | $3,483–$4,257 | above 110% |
| 21 | 94043 | $3,860 | $3,474–$4,246 | above 110% |
| 22 | 94028 | $3,820 | $3,438–$4,202 | 110% |
| 23 | 95131 | $3,820 | $3,438–$4,202 | 110% |
| 24 | 94306 | $3,790 | $3,411–$4,169 | 109% |
| 25 | 95035 | $3,790 | $3,411–$4,169 | 109% |
| 26 | 95113 | $3,790 | $3,411–$4,169 | 109% |
| 27 | 95032 | $3,770 | $3,393–$4,147 | 108% |
| 28 | 95124 | $3,670 | $3,303–$4,037 | 105% |
| 29 | 95120 | $3,580 | $3,222–$3,938 | 103% |
| 30 | 95121 | $3,580 | $3,222–$3,938 | 103% |
| 31 | 95129 | $3,580 | $3,222–$3,938 | 103% |
| 32 | 95119 | $3,560 | $3,204–$3,916 | 102% |
| 33 | 95123 | $3,540 | $3,186–$3,894 | 102% |
| 34 | 95008 | $3,530 | $3,177–$3,883 | 101% |
| 35 | 94023 | $3,480 | $3,132–$3,828 | 100% |
| 36 | 94035 | $3,480 | $3,132–$3,828 | 100% |
| 37 | 94039 | $3,480 | $3,132–$3,828 | 100% |
| 38 | 94042 | $3,480 | $3,132–$3,828 | 100% |
| 39 | 94088 | $3,480 | $3,132–$3,828 | 100% |
| 40 | 94302 | $3,480 | $3,132–$3,828 | 100% |
| 41 | 94309 | $3,480 | $3,132–$3,828 | 100% |
| 42 | 95009 | $3,480 | $3,132–$3,828 | 100% |
| 43 | 95011 | $3,480 | $3,132–$3,828 | 100% |
| 44 | 95015 | $3,480 | $3,132–$3,828 | 100% |
| 45 | 95021 | $3,480 | $3,132–$3,828 | 100% |
| 46 | 95026 | $3,480 | $3,132–$3,828 | 100% |
| 47 | 95031 | $3,480 | $3,132–$3,828 | 100% |
| 48 | 95036 | $3,480 | $3,132–$3,828 | 100% |
| 49 | 95038 | $3,480 | $3,132–$3,828 | 100% |
| 50 | 95044 | $3,480 | $3,132–$3,828 | 100% |
| 51 | 95052 | $3,480 | $3,132–$3,828 | 100% |
| 52 | 95055 | $3,480 | $3,132–$3,828 | 100% |
| 53 | 95056 | $3,480 | $3,132–$3,828 | 100% |
| 54 | 95071 | $3,480 | $3,132–$3,828 | 100% |
| 55 | 95101 | $3,480 | $3,132–$3,828 | 100% |
| 56 | 95103 | $3,480 | $3,132–$3,828 | 100% |
| 57 | 95106 | $3,480 | $3,132–$3,828 | 100% |
| 58 | 95108 | $3,480 | $3,132–$3,828 | 100% |
| 59 | 95109 | $3,480 | $3,132–$3,828 | 100% |
| 60 | 95141 | $3,480 | $3,132–$3,828 | 100% |
| 61 | 95150 | $3,480 | $3,132–$3,828 | 100% |
| 62 | 95151 | $3,480 | $3,132–$3,828 | 100% |
| 63 | 95152 | $3,480 | $3,132–$3,828 | 100% |
| 64 | 95153 | $3,480 | $3,132–$3,828 | 100% |
| 65 | 95154 | $3,480 | $3,132–$3,828 | 100% |
| 66 | 95155 | $3,480 | $3,132–$3,828 | 100% |
| 67 | 95156 | $3,480 | $3,132–$3,828 | 100% |
| 68 | 95157 | $3,480 | $3,132–$3,828 | 100% |
| 69 | 95158 | $3,480 | $3,132–$3,828 | 100% |
| 70 | 95159 | $3,480 | $3,132–$3,828 | 100% |
| 71 | 95160 | $3,480 | $3,132–$3,828 | 100% |
| 72 | 95161 | $3,480 | $3,132–$3,828 | 100% |
| 73 | 95164 | $3,480 | $3,132–$3,828 | 100% |
| 74 | 95170 | $3,480 | $3,132–$3,828 | 100% |
| 75 | 95172 | $3,480 | $3,132–$3,828 | 100% |
| 76 | 95173 | $3,480 | $3,132–$3,828 | 100% |
| 77 | 95030 | $3,470 | $3,123–$3,817 | 100% |
| 78 | 95138 | $3,460 | $3,114–$3,806 | 99% |
| 79 | 95013 | $3,450 | $3,105–$3,795 | 99% |
| 80 | 95128 | $3,430 | $3,087–$3,773 | 99% |
| 81 | 95126 | $3,400 | $3,060–$3,740 | 98% |
| 82 | 95136 | $3,370 | $3,033–$3,707 | 97% |
| 83 | 95050 | $3,340 | $3,006–$3,674 | 96% |
| 84 | 95053 | $3,340 | $3,006–$3,674 | 96% |
| 85 | 94303 | $3,300 | $2,970–$3,630 | 95% |
| 86 | 94550 | $3,300 | $2,970–$3,630 | 95% |
| 87 | 95140 | $3,300 | $2,970–$3,630 | 95% |
| 88 | 95110 | $3,240 | $2,916–$3,564 | 93% |
| 89 | 95125 | $3,160 | $2,844–$3,476 | 91% |
| 90 | 95118 | $3,130 | $2,817–$3,443 | 90% |
| 91 | 95117 | $3,120 | $2,808–$3,432 | 90% |
| 92 | 95133 | $3,120 | $2,808–$3,432 | 90% |
| 93 | 95112 | $3,060 | $2,754–$3,366 | 88% |
| 94 | 95127 | $3,000 | $2,700–$3,300 | 86% |
| 95 | 95002 | $2,990 | $2,691–$3,289 | 86% |
| 96 | 95046 | $2,830 | $2,547–$3,113 | 81% |
| 97 | 95037 | $2,820 | $2,538–$3,102 | 81% |
| 98 | 95116 | $2,820 | $2,538–$3,102 | 81% |
| 99 | 95122 | $2,820 | $2,538–$3,102 | 81% |
| 100 | 95130 | $2,770 | $2,493–$3,047 | 80% |
| 101 | 95020 | $2,750 | $2,475–$3,025 | 79% |
| 102 | 94305 | $2,540 | $2,286–$2,794 | 73% |
| 103 | 95111 | $2,540 | $2,286–$2,794 | 73% |
How San Jose-Sunnyvale-Santa Clara, CA compares
Its internal spread of 1.33× (p90 ÷ p10) ranks 146 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 1.09×. 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.