FY 2026 HUD SAFMR San Bernardino +71% vs US

ZIP HUD FMR profile

92397 Wrightwood, CA Fair Market Rent

FY 2026 HUD Small Area FMR for ZIP 92397 (Riverside-San Bernardino-Ontario, CA MSA). ZIP-specific schedule - not county-wide FMR, not current asking rent.

$1,640
1-bedroom SAFMR / mo
+71%
vs US average
$65,600
Income needed (30% rule)

Wrightwood, CA — San Bernardino. Population: 4,894 (Census). FY 2026 HUD Small Area FMR.

How this rate was derived: HUD publishes Small Area Fair Market Rents at the ZIP code level for designated metros. ZIP 92397 uses the FY 2026 SAFMR for Riverside-San Bernardino-Ontario, CA MSA ($1,640 1BR). The county-wide FMR schedule for San Bernardino may differ; this page prefers the ZIP-specific SAFMR. Apartments may rent above or below FMR, which is HUD's 40th-percentile gross-rent estimate, not live asking rent.

The displayed HUD FMR for ZIP 92397 (Wrightwood) is 71% above the national average and 0% below the state average. A 1-bedroom benchmark is $1,640/mo compared to $959 nationally. Source: HUD Small Area FMR. You need at least $65,600/year to afford a 1-bedroom at this FMR (30% rule).

What the FMR for ZIP 92397 actually means

HUD publishes Small Area Fair Market Rents at the ZIP code level for designated metros. ZIP 92397 (Wrightwood, CA) is covered by Riverside-San Bernardino-Ontario, CA MSA, so FY 2026 figures here are ZIP-specific: $1,640 for a 1-bedroom, studio $1,560, 2-bedroom $2,070, 3-bedroom $2,690, and 4-bedroom $3,240. These are 40th-percentile gross rents (utilities except telephone), not live asking rents. Housing Choice Voucher payment standards are typically set between 90% and 110% of the applicable FMR/SAFMR.

Because this page uses SAFMR, nearby ZIPs in San Bernardino can show different bedroom figures. Against the national benchmark the 1-bedroom SAFMR here is 71% above the US average of $959, and 0% below the CA state average of $1,647.

For budgeting, the 30% affordability rule says rent should not exceed 30% of gross household income. At the FY 2026 1-bedroom FMR of $1,640, that implies a household income of $65,600 per year (about $5,467/month) to avoid being cost-burdened, a 2-bedroom at $2,070 lifts that threshold higher still. ZIP 92397 has a population of 4,894 residents, so the gap between these FMR figures and local wages shapes how many households qualify as rent-burdened (paying more than 30% of income) or severely burdened (above 50%).

Fair Market Rents (2026)

Studio
State avg: $1,513 · US avg: $893
$1,560/mo
↓ 12.2% YoY +3% vs state +75% vs US
1 Bedroom
State avg: $1,647 · US avg: $959
$1,640/mo
↓ 11.4% YoY -0% vs state +71% vs US
2 Bedroom
State avg: $2,053 · US avg: $1,175
$2,070/mo
↓ 10.2% YoY +1% vs state +76% vs US
3 Bedroom
State avg: $2,752 · US avg: $1,525
$2,690/mo
↓ 12.6% YoY -2% vs state +76% vs US
4 Bedroom
State avg: $3,165 · US avg: $1,756
$3,240/mo
↓ 13.5% YoY +2% vs state +85% vs US

Affordability Snapshot

Based on the standard that rent should not exceed 30% of gross income:

Required annual income for 1 BR
$65,600
$5,467/month gross
Required annual income for 2 BR
$82,800
$6,900/month gross

County Information

ZIP 92397 is in San Bernardino. HUD sets Fair Market Rents at the county level, so all ZIP codes within San Bernardino share the same FMR.

Nearby ZIP Codes in San Bernardino

Frequently Asked Questions

What is the HUD Fair Market Rent for ZIP code 92397?
The FY 2026 HUD Small Area FMR for a 1-bedroom in ZIP 92397 (Wrightwood, CA) is $1,640 per month. A 2-bedroom is $2,070 and a studio is $1,560. These are ZIP-level SAFMR figures from HUD for Riverside-San Bernardino-Ontario, CA MSA, not asking rents.
How does the FMR in 92397 compare to the national average?
The displayed 1-bedroom FMR for ZIP 92397 is 71% above the national average ($1,640 vs $959).
What income do I need to afford the FMR in 92397?
Based on the 30% affordability rule, you need an annual income of at least $65,600 to afford a 1-bedroom at the displayed HUD FMR in ZIP 92397 (Wrightwood, CA).
What county is ZIP code 92397 in?
ZIP 92397 is in San Bernardino, CA. This page uses HUD's Small Area FMR for the ZIP (Riverside-San Bernardino-Ontario, CA MSA), which can differ from the county-wide FMR schedule.

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Data source: U.S. Department of Housing and Urban Development, FY 2026 Fair Market Rents. ZIP-to-county mapping from U.S. Census Bureau. FMRs are set at the county or metro level; individual ZIP code rents may vary.