Income Limits by County

HUD Metro FMR Area · 4 counties

St. Joseph, MO-KS Fair Market Rent & Income Limits

For FY2027 HUD set the two-bedroom Fair Market Rent for the St. Joseph, MO-KS area at $1,101 a month, up 2.2% from FY2026. The FY2026 median family income is $91,800. The same figures apply in all 4 counties of the area.

2-bedroom FMR$1,101per month ▲ 2.2%
Median family income$91,800FY2026
People in the area120,012HUD file, 2024

Fair Market Rent by unit size

FY2027 FY2026

Check your household

Enter your household size and total yearly income before taxes to see which HUD income category it falls in for St. Joseph, MO-KS.

Low income (80% limit)

A household of 4 earning $71,350 is under the 80% limit of $73,350 for this area. At 30% of income it could pay about $1,784 a month for rent and utilities.

This is a quick comparison with HUD's published limits, not an eligibility decision. Programs count income in their own ways and many have waiting lists; the local housing agency or property decides.

Income limits

FY2026 income limits by household size (yearly gross income)
PeopleExtremely low30% / povertyVery low50%60% (LIHTC)MTSPLow income80%
1$19,250$32,100$38,520$51,350
2$22,000$36,700$44,040$58,700
3$27,320$41,300$49,560$66,050
4$33,000$45,850$55,020$73,350
5$38,680$49,550$59,460$79,250
6$44,360$53,200$63,840$85,100
7$50,040$56,900$68,280$91,000
8$55,720$60,550$72,660$96,850

HERA Special area. Tax-credit properties placed in service before 2009 may use HUD's higher HERA hold-harmless 60% limits here: $57,360 for four people, against the regular $55,020.

Two-bedroom FMR since 2001

2-bedroom Fair Market Rent, 2001 to 2027$0$400$800$1,200$1,600200520102015202020252027$1,101FY2001: $403FY2002: $414FY2003: $422FY2004: $426FY2005: $507FY2006: $512FY2007: $527FY2008: $555FY2009: $569FY2010: $577FY2011: $602FY2012: $606FY2013: $633FY2014: $745FY2015: $677FY2016: $699FY2017: $712FY2018: $739FY2019: $761FY2020: $797FY2021: $817FY2022: $824FY2023: $895FY2024: $964FY2025: $1,035FY2026: $1,077FY2027: $1,101

Counties in the area

CountyPeople2 BR FMR
Buchanan County, MO83,568$1,101
Andrew County, MO18,065$1,101
DeKalb County, MO10,876$1,101
Doniphan County, KS7,503$1,101

Small Area FMRs across 47 ZIP codes

Two-bedroom Small Area FMRs in the St. Joseph, MO-KS area run from $960 to $1,650; the middle ZIP code is at $1,040, against the area-wide FMR of $1,101. This is not a mandatory Small Area FMR area; agencies may opt in.

$960$1,650median $1,040

Highest ZIP codes

64436 (Cosby, MO)$1,650
64421 (Amazonia, MO)$1,560
64429 (Cameron, MO)$1,340
64439 (Dearborn, MO)$1,210
64505 (Saint Joseph, MO)$1,200
64459 (Helena, MO)$1,190
64503 (Saint Joseph, MO)$1,150
64504 (Saint Joseph, MO)$1,130

Lowest ZIP codes

64474 (Osborn, MO)$960
66532 (Robinson, KS)$970
66094 (White Cloud, KS)$970
66087 (Troy, KS)$970
66035 (Highland, KS)$970
66017 (Denton, KS)$970
66008 (Bendena, KS)$970
64670 (Pattonsburg, MO)$970

Questions

What is the Fair Market Rent in the St. Joseph, MO-KS area?

HUD's FY2027 Fair Market Rents for the St. Joseph, MO-KS area are $850 (studio), $857 (1 BR), $1,101 (2 BR), $1,406 (3 BR) and $1,629 (4 BR) a month.

What is the area median income for St. Joseph, MO-KS?

The FY2026 median family income is $91,800; the 80% low-income limit for four people is $73,350.

Which counties are in this HUD metro area?

Buchanan County, MO, Andrew County, MO, DeKalb County, MO and Doniphan County, KS.