FY2027 Small Area FMR · Ludlow, MO

ZIP 64656 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64656 (Ludlow, MO) is $960 a month, up 7.9% from FY2026. That is 0% equal to the Livingston County, MO area-wide FMR of $962.

2-bedroom SAFMR$960per month ▲ 7.9%

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

Rank in the area7thof 12 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$864

2 BR Small Area FMR$960

110% of SAFMR$1,056

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

Studio$710▲ 7.6%

1 BR$740▲ 8.8%

2 BR$960▲ 7.9%

3 BR$1,230▲ 7.0%

4 BR$1,610▲ 21.1%

FY2027 FY2026

Where 64656 sits in the Livingston County, MO area

Of the 12 ZIP codes HUD lists for the area, 64656 has the 7th highest two-bedroom Small Area FMR. Livingston 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

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$710	$639 – $781	$709	$660
1 bedroom	$740	$666 – $814	$735	$680
2 bedrooms	$960	$864 – $1,056	$962	$890
3 bedrooms	$1,230	$1,107 – $1,353	$1,230	$1,150
4 bedrooms	$1,610	$1,449 – $1,771	$1,608	$1,330

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 $82,300 and the 80% low-income limit for four people is $65,850. ZIP code 64656 lies mainly in Livingston County. See the Livingston County, MO county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
64664	Mooresville	5.5 mi	$970
64638	Dawn	5.6 mi	$960
64686	Utica	6.2 mi	$970
64625	Breckenridge	7.5 mi	$960
64624	Braymer	9.3 mi	$960
64601	Chillicothe	10.7 mi	$970

Questions

What is the Fair Market Rent for ZIP code 64656?

HUD's FY2027 Small Area Fair Market Rents for 64656 are $710 (studio), $740 (1 BR), $960 (2 BR), $1,230 (3 BR) and $1,610 (4 BR) a month.

What is the Section 8 payment standard in 64656?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64656 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 64656?

The FY2026 income limits of the Livingston County, MO area apply: median family income $82,300, low-income (80%) limit $65,850 for a family of four.