FY2027 Small Area FMR · Union Star, MO

ZIP 64494 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64494 (Union Star, MO) is $1,080 a month, up 1.9% from FY2026. That is 2% below the St. Joseph, MO-KS area-wide FMR of $1,101.

2-bedroom SAFMR$1,080per month ▲ 1.9%

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

Rank in the area15thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$972

2 BR Small Area FMR$1,080

110% of SAFMR$1,188

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

Studio$830▲ 9.2%

1 BR$840▲ 2.4%

2 BR$1,080▲ 1.9%

3 BR$1,380▲ 3.0%

4 BR$1,600▲ 3.9%

FY2027 FY2026

Where 64494 sits in the St. Joseph, MO-KS area

Of the 47 ZIP codes HUD lists for the area, 64494 has the 15th 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 $1,080 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	$830	$747 – $913	$850	$760
1 bedroom	$840	$756 – $924	$857	$820
2 bedrooms	$1,080	$972 – $1,188	$1,101	$1,060
3 bedrooms	$1,380	$1,242 – $1,518	$1,406	$1,340
4 bedrooms	$1,600	$1,440 – $1,760	$1,629	$1,540

A household renting a two-bedroom home at the Small Area FMR of $1,080 needs about $43,200 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 64494 lies mainly in Andrew County and DeKalb 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
64459	Helena	4.7 mi	$1,190
64480	Rea	6.7 mi	$1,010
64463	King City	8.4 mi	$1,000
64422	Amity	9.3 mi	$1,020
64436	Cosby	10.2 mi	$1,650
64430	Clarksdale	10.7 mi	$1,060

Questions

What is the Fair Market Rent for ZIP code 64494?

HUD's FY2027 Small Area Fair Market Rents for 64494 are $830 (studio), $840 (1 BR), $1,080 (2 BR), $1,380 (3 BR) and $1,600 (4 BR) a month.

What is the Section 8 payment standard in 64494?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64494 that range is $972 to $1,188 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 64494?

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.