FY2027 Small Area FMR · Harris, MO
ZIP 64645 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64645 (Harris, MO) is $990 a month, down 2.9% from FY2026. That is 2% above the Mercer County, MO area-wide FMR of $973.
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 64645 sits in the Mercer County, MO area
Of the 7 ZIP codes HUD lists for the area, 64645 has the 4th highest two-bedroom Small Area FMR. Mercer 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 $973 for two bedrooms; an agency that opts in to Small Area FMRs would use $990 for this ZIP code instead.
ZIP code 64645 crosses more than one HUD area. HUD also lists it under Sullivan 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 | $740 | $666 – $814 | $717 | $750 |
| 1 bedroom | $800 | $720 – $880 | $744 | $880 |
| 2 bedrooms | $990 | $891 – $1,089 | $973 | $1,020 |
| 3 bedrooms | $1,300 | $1,170 – $1,430 | $1,263 | $1,310 |
| 4 bedrooms | $1,490 | $1,341 – $1,639 | $1,460 | $1,520 |
A household renting a two-bedroom home at the Small Area FMR of $990 needs about $39,600 a year to keep housing costs at 30% of income. The area median family income is $74,700 and the 80% low-income limit for four people is $62,000. ZIP code 64645 lies mainly in Sullivan County and Mercer County. See the Mercer 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 64645?
HUD's FY2027 Small Area Fair Market Rents for 64645 are $740 (studio), $800 (1 BR), $990 (2 BR), $1,300 (3 BR) and $1,490 (4 BR) a month.
What is the Section 8 payment standard in 64645?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64645 that range is $891 to $1,089 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 64645?
The FY2026 income limits of the Mercer County, MO area apply: median family income $74,700, low-income (80%) limit $62,000 for a family of four.