FY2027 Small Area FMR · Agency, MO

ZIP 64401 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64401 (Agency, MO) is $1,060 a month, up 11.6% from FY2026. That is 4% below the St. Joseph, MO-KS area-wide FMR of $1,101.

2-bedroom SAFMR$1,060per month ▲ 11.6%

Area-wide 2 BR FMR$1,101St. Joseph, MO-KS

Rank in the area20thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$954

2 BR Small Area FMR$1,060

110% of SAFMR$1,166

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$820▲ 20.6%

1 BR$830▲ 13.7%

2 BR$1,060▲ 11.6%

3 BR$1,350▲ 12.5%

4 BR$1,570▲ 13.8%

FY2027 FY2026

Where 64401 sits in the St. Joseph, MO-KS area

Of the 47 ZIP codes HUD lists for the area, 64401 has the 20th highest two-bedroom Small Area FMR. St. Joseph, MO-KS is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $1,101 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,060 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$820	$738 – $902	$850	$680
1 bedroom	$830	$747 – $913	$857	$730
2 bedrooms	$1,060	$954 – $1,166	$1,101	$950
3 bedrooms	$1,350	$1,215 – $1,485	$1,406	$1,200
4 bedrooms	$1,570	$1,413 – $1,727	$1,629	$1,380

A household renting a two-bedroom home at the Small Area FMR of $1,060 needs about $42,400 a year to keep housing costs at 30% of income. The area median family income is $91,800 and the 80% low-income limit for four people is $73,350. ZIP code 64401 lies mainly in Buchanan County. See the St. Joseph, MO-KS metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
64448	Faucett	6.2 mi	$1,070
64454	Gower	7.0 mi	$1,100
64507	Saint Joseph	7.0 mi	$1,110
64439	Dearborn	7.8 mi	$1,210
64443	Easton	8.3 mi	$1,080
64503	Saint Joseph	10.5 mi	$1,150

Questions

What is the Fair Market Rent for ZIP code 64401?

HUD's FY2027 Small Area Fair Market Rents for 64401 are $820 (studio), $830 (1 BR), $1,060 (2 BR), $1,350 (3 BR) and $1,570 (4 BR) a month.

What is the Section 8 payment standard in 64401?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64401 that range is $954 to $1,166 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 64401?

The FY2026 income limits of the St. Joseph, MO-KS area apply: median family income $91,800, low-income (80%) limit $73,350 for a family of four.