FY2027 Small Area FMR · Lock Springs, MO
ZIP 64654 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64654 (Lock Springs, MO) is $960 a month, up 2.1% from FY2026. That is 0% equal to the Daviess 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 64654 sits in the Daviess County, MO area
Of the 17 ZIP codes HUD lists for the area, 64654 has the 11th highest two-bedroom Small Area FMR. Daviess 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.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $710 | $639 – $781 | $709 | $700 |
| 1 bedroom | $740 | $666 – $814 | $735 | $720 |
| 2 bedrooms | $960 | $864 – $1,056 | $962 | $940 |
| 3 bedrooms | $1,200 | $1,080 – $1,320 | $1,193 | $1,210 |
| 4 bedrooms | $1,380 | $1,242 – $1,518 | $1,366 | $1,380 |
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 $81,200 and the 80% low-income limit for four people is $64,950. ZIP code 64654 lies mainly in Daviess County. See the Daviess 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 64654?
HUD's FY2027 Small Area Fair Market Rents for 64654 are $710 (studio), $740 (1 BR), $960 (2 BR), $1,200 (3 BR) and $1,380 (4 BR) a month.
What is the Section 8 payment standard in 64654?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64654 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 64654?
The FY2026 income limits of the Daviess County, MO area apply: median family income $81,200, low-income (80%) limit $64,950 for a family of four.