Metro FMR area · KS, MO · HUD FY 2027
St. Joseph, MO-KS Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in the St. Joseph, MO-KS area is $1,101 a month, 12% below the Missouri average and 37% below the U.S. average of $1,761. ZIP-level Small Area FMRs for its 47 ZIP codes range from $960 to $1,650.
- $1,1012-bedroom FMR+$24 (+2.2%) vs FY 2026
- $8571-bedroom FMRU.S.: $1,478
- $44,040Income for a 2-bedroomat 30% of income
- 120,012Residents4 counties
| Unit | St. Joseph, MO-KS FY 2027 | FY 2026 | Change | Missouri avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $850 | $774 | +$76 (+9.8%) | $979 | $1,379 | $34,000 |
| 1 bedroom | $857 | $832 | +$25 (+3.0%) | $1,035 | $1,478 | $34,280 |
| 2 bedrooms | $1,101 | $1,077 | +$24 (+2.2%) | $1,250 | $1,761 | $44,040 |
| 3 bedrooms | $1,406 | $1,363 | +$43 (+3.2%) | $1,631 | $2,266 | $56,240 |
| 4 bedrooms | $1,629 | $1,566 | +$63 (+4.0%) | $1,895 | $2,607 | $65,160 |
Counties in this FMR area
| County | Residents in area |
|---|---|
| Doniphan County, KS | 7,503 |
| Andrew County, MO | 18,065 |
| Buchanan County, MO | 83,568 |
| DeKalb County, MO | 10,876 |
Small Area FMRs by ZIP code
Small Area FMRs apply to Housing Choice Vouchers where HUD requires them or the housing authority opts in; otherwise the metro FMR above applies. The median ZIP’s 2-bedroom SAFMR is $1,040.
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 64401 | $820 | $830 | $1,060 | $1,350 | $1,570 | +$110 (+11.6%) | 4% below |
| 64421 | $1,200 | $1,210 | $1,560 | $1,990 | $2,310 | +$70 (+4.7%) | 42% above |
| 64422 | $780 | $800 | $1,020 | $1,310 | $1,520 | −$10 (−1.0%) | 7% below |
| 64423 | $740 | $750 | $970 | $1,230 | $1,600 | +$30 (+3.2%) | 12% below |
| 64427 | $740 | $750 | $970 | $1,230 | $1,430 | +$30 (+3.2%) | 12% below |
| 64429 | $1,070 | $1,130 | $1,340 | $1,730 | $2,050 | +$120 (+9.8%) | 22% above |
| 64430 | $820 | $830 | $1,060 | $1,350 | $1,570 | −$50 (−4.5%) | 4% below |
| 64436 | $1,270 | $1,280 | $1,650 | $2,110 | $2,440 | +$30 (+1.9%) | 50% above |
| 64439 | $980 | $1,060 | $1,210 | $1,580 | $1,890 | +$50 (+4.3%) | 10% above |
| 64440 | $800 | $810 | $1,030 | $1,320 | $1,520 | no change | 6% below |
| 64443 | $830 | $840 | $1,080 | $1,380 | $1,600 | +$20 (+1.9%) | 2% below |
| 64444 | $860 | $940 | $1,070 | $1,390 | $1,650 | −$110 (−9.3%) | 3% below |
| 64448 | $830 | $840 | $1,070 | $1,370 | $1,590 | +$80 (+8.1%) | 3% below |
| 64449 | $740 | $750 | $970 | $1,230 | $1,420 | +$30 (+3.2%) | 12% below |
| 64454 | $890 | $950 | $1,100 | $1,430 | $1,700 | +$70 (+6.8%) | about the same as |
| 64455 | $730 | $750 | $970 | $1,230 | $1,520 | +$30 (+3.2%) | 12% below |
| 64457 | $780 | $800 | $1,030 | $1,370 | $1,690 | +$90 (+9.6%) | 6% below |
| 64459 | $920 | $930 | $1,190 | $1,520 | $1,760 | +$10 (+0.8%) | 8% above |
| 64463 | $740 | $770 | $1,000 | $1,380 | $1,660 | +$60 (+6.4%) | 9% below |
| 64469 | $740 | $750 | $970 | $1,230 | $1,420 | +$20 (+2.1%) | 12% below |
| 64474 | $750 | $810 | $960 | $1,230 | $1,440 | −$70 (−6.8%) | 13% below |
| 64480 | $780 | $790 | $1,010 | $1,310 | $1,530 | +$40 (+4.1%) | 8% below |
| 64483 | $750 | $760 | $970 | $1,240 | $1,440 | +$30 (+3.2%) | 12% below |
| 64484 | $820 | $840 | $1,050 | $1,350 | $1,570 | +$10 (+1.0%) | 5% below |
| 64485 | $800 | $810 | $1,040 | $1,330 | $1,540 | +$10 (+1.0%) | 6% below |
| 64490 | $820 | $850 | $1,050 | $1,350 | $1,580 | +$20 (+1.9%) | 5% below |
| 64494 | $830 | $840 | $1,080 | $1,380 | $1,600 | +$20 (+1.9%) | 2% below |
| 64497 | $730 | $750 | $970 | $1,230 | $1,410 | +$30 (+3.2%) | 12% below |
| 64501 | $830 | $840 | $1,080 | $1,380 | $1,600 | +$50 (+4.9%) | 2% below |
| 64502 | $850 | $860 | $1,100 | $1,410 | $1,630 | +$20 (+1.9%) | about the same as |
| 64503 | $890 | $900 | $1,150 | $1,470 | $1,700 | −$20 (−1.7%) | 4% above |
| 64504 | $870 | $880 | $1,130 | $1,440 | $1,670 | +$40 (+3.7%) | 3% above |
| 64505 | $930 | $930 | $1,200 | $1,530 | $1,780 | +$40 (+3.4%) | 9% above |
| 64506 | $850 | $860 | $1,100 | $1,410 | $1,630 | +$20 (+1.9%) | about the same as |
| 64507 | $860 | $860 | $1,110 | $1,420 | $1,640 | no change | 1% above |
| 64508 | $850 | $860 | $1,100 | $1,410 | $1,630 | +$20 (+1.9%) | about the same as |
| 64670 | $710 | $750 | $970 | $1,230 | $1,410 | +$30 (+3.2%) | 12% below |
| 66002 | $730 | $810 | $970 | $1,340 | $1,620 | −$60 (−5.8%) | 12% below |
| 66008 | $700 | $750 | $970 | $1,300 | $1,540 | +$30 (+3.2%) | 12% below |
| 66017 | $710 | $750 | $970 | $1,290 | $1,520 | +$30 (+3.2%) | 12% below |
| 66024 | $860 | $860 | $1,110 | $1,420 | $1,640 | +$20 (+1.8%) | 1% above |
| 66035 | $740 | $750 | $970 | $1,230 | $1,420 | +$30 (+3.2%) | 12% below |
| 66041 | $700 | $760 | $1,000 | $1,380 | $1,670 | +$60 (+6.4%) | 9% below |
| 66087 | $740 | $750 | $970 | $1,230 | $1,420 | +$30 (+3.2%) | 12% below |
| 66090 | $790 | $790 | $1,020 | $1,300 | $1,510 | +$50 (+5.2%) | 7% below |
| 66094 | $720 | $750 | $970 | $1,230 | $1,410 | +$30 (+3.2%) | 12% below |
| 66532 | $720 | $750 | $970 | $1,230 | $1,410 | +$30 (+3.2%) | 12% below |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.