FY2027 Small Area FMR · Cosby, MO
ZIP 64436 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64436 (Cosby, MO) is $1,650 a month, up 1.9% from FY2026. That is 50% above the St. Joseph, MO-KS area-wide FMR of $1,101.
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 64436 sits in the St. Joseph, MO-KS area
Of the 47 ZIP codes HUD lists for the area, 64436 has the 1st 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 $1,650 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,270 | $1,143 – $1,397 | $850 | $1,160 |
| 1 bedroom | $1,280 | $1,152 – $1,408 | $857 | $1,250 |
| 2 bedrooms | $1,650 | $1,485 – $1,815 | $1,101 | $1,620 |
| 3 bedrooms | $2,110 | $1,899 – $2,321 | $1,406 | $2,050 |
| 4 bedrooms | $2,440 | $2,196 – $2,684 | $1,629 | $2,360 |
A household renting a two-bedroom home at the Small Area FMR of $1,650 needs about $66,000 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 64436 lies mainly in Andrew County. See the St. Joseph, MO-KS 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 64436?
HUD's FY2027 Small Area Fair Market Rents for 64436 are $1,270 (studio), $1,280 (1 BR), $1,650 (2 BR), $2,110 (3 BR) and $2,440 (4 BR) a month.
What is the Section 8 payment standard in 64436?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64436 that range is $1,485 to $1,815 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 64436?
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.