FY2027 Small Area FMR · Savannah, MO

ZIP 64485 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64485 (Savannah, MO) is $1,040 a month, up 1.0% from FY2026. That is 6% below the St. Joseph, MO-KS area-wide FMR of $1,101.

2-bedroom SAFMR$1,040per month ▲ 1.0%

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

Rank in the area24thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$936

2 BR Small Area FMR$1,040

110% of SAFMR$1,144

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

Studio$800▲ 8.1%

1 BR$810▲ 1.2%

2 BR$1,040▲ 1.0%

3 BR$1,330▲ 2.3%

4 BR$1,540▲ 2.7%

FY2027 FY2026

Where 64485 sits in the St. Joseph, MO-KS area

Of the 47 ZIP codes HUD lists for the area, 64485 has the 24th 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 $1,040 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	$800	$720 – $880	$850	$740
1 bedroom	$810	$729 – $891	$857	$800
2 bedrooms	$1,040	$936 – $1,144	$1,101	$1,030
3 bedrooms	$1,330	$1,197 – $1,463	$1,406	$1,300
4 bedrooms	$1,540	$1,386 – $1,694	$1,629	$1,500

A household renting a two-bedroom home at the Small Area FMR of $1,040 needs about $41,600 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 64485 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

ZIP	Place	Distance	2 BR SAFMR
64483	Rosendale	6.3 mi	$970
64421	Amazonia	6.8 mi	$1,560
64505	Saint Joseph	7.1 mi	$1,200
64436	Cosby	9.2 mi	$1,650
64459	Helena	9.3 mi	$1,190
64480	Rea	9.3 mi	$1,010

Questions

What is the Fair Market Rent for ZIP code 64485?

HUD's FY2027 Small Area Fair Market Rents for 64485 are $800 (studio), $810 (1 BR), $1,040 (2 BR), $1,330 (3 BR) and $1,540 (4 BR) a month.

What is the Section 8 payment standard in 64485?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64485 that range is $936 to $1,144 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 64485?

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.