FY2027 Small Area FMR · Cowgill, MO
ZIP 64637 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64637 (Cowgill, MO) is $960 a month, down 6.8% from FY2026. That is 38% below the Kansas City, MO-KS area-wide FMR of $1,546.
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 64637 sits in the Kansas City, MO-KS area
Of the 252 ZIP codes HUD lists for the area, 64637 has the 239th highest two-bedroom Small Area FMR. Kansas City, MO-KS is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2023), so local housing agencies must set payment standards from this ZIP code's figure, normally between $864 and $1,056 for two bedrooms.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $780 | $702 – $858 | $1,257 | $810 |
| 1 bedroom | $850 | $765 – $935 | $1,366 | $900 |
| 2 bedrooms | $960 | $864 – $1,056 | $1,546 | $1,030 |
| 3 bedrooms | $1,260 | $1,134 – $1,386 | $2,020 | $1,350 |
| 4 bedrooms | $1,510 | $1,359 – $1,661 | $2,419 | $1,570 |
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 $113,400 and the 80% low-income limit for four people is $90,700. ZIP code 64637 lies mainly in Caldwell County and Ray County. See the Kansas City, 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 64637?
HUD's FY2027 Small Area Fair Market Rents for 64637 are $780 (studio), $850 (1 BR), $960 (2 BR), $1,260 (3 BR) and $1,510 (4 BR) a month.
What is the Section 8 payment standard in 64637?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64637 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 64637?
The FY2026 income limits of the Kansas City, MO-KS area apply: median family income $113,400, low-income (80%) limit $90,700 for a family of four.