FY2027 Small Area FMR · Saint Charles, MO
ZIP 63304 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 63304 (Saint Charles, MO) is $1,960 a month, up 13.3% from FY2026. That is 45% above the St. Louis, MO-IL area-wide FMR of $1,349.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 63304 sits in the St. Louis, MO-IL area
Of the 268 ZIP codes HUD lists for the area, 63304 has the 7th highest two-bedroom Small Area FMR. St. Louis, MO-IL is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2023), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,764 and $2,156 for two bedrooms.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,550 | $1,395 – $1,705 | $1,064 | $1,360 |
| 1 bedroom | $1,600 | $1,440 – $1,760 | $1,104 | $1,410 |
| 2 bedrooms | $1,960 | $1,764 – $2,156 | $1,349 | $1,730 |
| 3 bedrooms | $2,520 | $2,268 – $2,772 | $1,731 | $2,230 |
| 4 bedrooms | $2,900 | $2,610 – $3,190 | $1,997 | $2,570 |
A household renting a two-bedroom home at the Small Area FMR of $1,960 needs about $78,400 a year to keep housing costs at 30% of income. The area median family income is $113,500 and the 80% low-income limit for four people is $90,800. ZIP code 63304 lies mainly in St. Charles County. See the St. Louis, MO-IL metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 63304?
HUD's FY2027 Small Area Fair Market Rents for 63304 are $1,550 (studio), $1,600 (1 BR), $1,960 (2 BR), $2,520 (3 BR) and $2,900 (4 BR) a month.
What is the Section 8 payment standard in 63304?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 63304 that range is $1,764 to $2,156 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 63304?
The FY2026 income limits of the St. Louis, MO-IL area apply: median family income $113,500, low-income (80%) limit $90,800 for a family of four.