FY2027 Small Area FMR · Saint Joseph, MO

ZIP 64504 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64504 (Saint Joseph, MO) is $1,130 a month, up 3.7% from FY2026. That is 3% above the St. Joseph, MO-KS area-wide FMR of $1,101.

2-bedroom SAFMR$1,130per month ▲ 3.7%

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

Rank in the area8thof 47 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,017

2 BR Small Area FMR$1,130

110% of SAFMR$1,243

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

Studio$870▲ 11.5%

1 BR$880▲ 4.8%

2 BR$1,130▲ 3.7%

3 BR$1,440▲ 4.3%

4 BR$1,670▲ 5.7%

FY2027 FY2026

Where 64504 sits in the St. Joseph, MO-KS area

Of the 47 ZIP codes HUD lists for the area, 64504 has the 8th 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 $1,130 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	$870	$783 – $957	$850	$780
1 bedroom	$880	$792 – $968	$857	$840
2 bedrooms	$1,130	$1,017 – $1,243	$1,101	$1,090
3 bedrooms	$1,440	$1,296 – $1,584	$1,406	$1,380
4 bedrooms	$1,670	$1,503 – $1,837	$1,629	$1,580

A household renting a two-bedroom home at the Small Area FMR of $1,130 needs about $45,200 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 64504 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
66024	Elwood	3.5 mi	$1,110
64503	Saint Joseph	5.2 mi	$1,150
64501	Saint Joseph	6.1 mi	$1,080
66090	Wathena	7.6 mi	$1,020
64448	Faucett	7.9 mi	$1,070
64440	De Kalb	7.9 mi	$1,030

Questions

What is the Fair Market Rent for ZIP code 64504?

HUD's FY2027 Small Area Fair Market Rents for 64504 are $870 (studio), $880 (1 BR), $1,130 (2 BR), $1,440 (3 BR) and $1,670 (4 BR) a month.

What is the Section 8 payment standard in 64504?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64504 that range is $1,017 to $1,243 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 64504?

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.