FY2027 Small Area FMR · Cainsville, MO
ZIP 64632 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64632 (Cainsville, MO) is $960 a month, down 5.0% from FY2026. That is 0% equal to the Harrison County, MO area-wide FMR of $962.
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 64632 sits in the Harrison County, MO area
Of the 14 ZIP codes HUD lists for the area, 64632 has the 9th highest two-bedroom Small Area FMR. Harrison County, MO 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 $962 for two bedrooms; an agency that opts in to Small Area FMRs would use $960 for this ZIP code instead.
ZIP code 64632 crosses more than one HUD area. HUD also lists it under Mercer County, MO (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $710 | $639 – $781 | $709 | $740 |
| 1 bedroom | $740 | $666 – $814 | $735 | $770 |
| 2 bedrooms | $960 | $864 – $1,056 | $962 | $1,010 |
| 3 bedrooms | $1,250 | $1,125 – $1,375 | $1,249 | $1,330 |
| 4 bedrooms | $1,330 | $1,197 – $1,463 | $1,264 | $1,470 |
A household renting a two-bedroom home at the Small Area FMR of $960 needs about $38,400 a year to keep housing costs at 30% of income. The area median family income is $72,500 and the 80% low-income limit for four people is $62,000. ZIP code 64632 lies mainly in Mercer County and Harrison County. See the Harrison County, MO county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 64632?
HUD's FY2027 Small Area Fair Market Rents for 64632 are $710 (studio), $740 (1 BR), $960 (2 BR), $1,250 (3 BR) and $1,330 (4 BR) a month.
What is the Section 8 payment standard in 64632?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64632 that range is $864 to $1,056 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 64632?
The FY2026 income limits of the Harrison County, MO area apply: median family income $72,500, low-income (80%) limit $62,000 for a family of four.