FY2027 Small Area FMR · Lucerne, MO

ZIP 64655 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64655 (Lucerne, MO) is $1,030 a month, down 9.6% from FY2026. That is 7% above the Putnam County, MO area-wide FMR of $962.

2-bedroom SAFMR$1,030per month ▼ 9.6%

Area-wide 2 BR FMR$962Putnam County, MO

Rank in the area6thof 9 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$927

2 BR Small Area FMR$1,030

110% of SAFMR$1,133

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

Studio$760▼ 9.5%

1 BR$900▼ 9.1%

2 BR$1,030▼ 9.6%

3 BR$1,280▼ 9.9%

4 BR$1,530▼ 9.5%

FY2027 FY2026

Where 64655 sits in the Putnam County, MO area

Of the 9 ZIP codes HUD lists for the area, 64655 has the 6th highest two-bedroom Small Area FMR. Putnam 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 $1,030 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	$760	$684 – $836	$709	$840
1 bedroom	$900	$810 – $990	$835	$990
2 bedrooms	$1,030	$927 – $1,133	$962	$1,140
3 bedrooms	$1,280	$1,152 – $1,408	$1,271	$1,420
4 bedrooms	$1,530	$1,377 – $1,683	$1,443	$1,690

A household renting a two-bedroom home at the Small Area FMR of $1,030 needs about $41,200 a year to keep housing costs at 30% of income. The area median family income is $90,400 and the 80% low-income limit for four people is $70,250. ZIP code 64655 lies mainly in Putnam County. See the Putnam County, MO county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
64667	Newtown	5.7 mi	$1,130
64672	Powersville	6.4 mi	$1,040
63560	Pollock	9.3 mi	$1,050
64645	Harris	10.7 mi	$990
64661	Mercer	15.0 mi	$1,300
52590	Seymour	16.3 mi	$930

Questions

What is the Fair Market Rent for ZIP code 64655?

HUD's FY2027 Small Area Fair Market Rents for 64655 are $760 (studio), $900 (1 BR), $1,030 (2 BR), $1,280 (3 BR) and $1,530 (4 BR) a month.

What is the Section 8 payment standard in 64655?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64655 that range is $927 to $1,133 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 64655?

The FY2026 income limits of the Putnam County, MO area apply: median family income $90,400, low-income (80%) limit $70,250 for a family of four.