FY2027 Small Area FMR · El Dorado Springs, MO
ZIP 64744 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64744 (El Dorado Springs, MO) is $1,040 a month, up 10.6% from FY2026. That is 8% above the Cedar 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 64744 sits in the Cedar County, MO area
Of the 10 ZIP codes HUD lists for the area, 64744 has the 2nd highest two-bedroom Small Area FMR. Cedar 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 $1,040 for this ZIP code instead.
ZIP code 64744 crosses more than one HUD area. HUD also lists it under St. Clair County, MO (same figures) and Vernon 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 | $760 | $684 – $836 | $709 | $700 |
| 1 bedroom | $790 | $711 – $869 | $735 | $720 |
| 2 bedrooms | $1,040 | $936 – $1,144 | $962 | $940 |
| 3 bedrooms | $1,400 | $1,260 – $1,540 | $1,324 | $1,260 |
| 4 bedrooms | $1,560 | $1,404 – $1,716 | $1,443 | $1,400 |
A household renting a two-bedroom home at the Small Area FMR of $1,040 needs about $41,600 a year to keep housing costs at 30% of income. The area median family income is $74,600 and the 80% low-income limit for four people is $62,000. ZIP code 64744 lies mainly in Cedar County, St. Clair County and Vernon County. See the Cedar 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 64744?
HUD's FY2027 Small Area Fair Market Rents for 64744 are $760 (studio), $790 (1 BR), $1,040 (2 BR), $1,400 (3 BR) and $1,560 (4 BR) a month.
What is the Section 8 payment standard in 64744?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64744 that range is $936 to $1,144 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 64744?
The FY2026 income limits of the Cedar County, MO area apply: median family income $74,600, low-income (80%) limit $62,000 for a family of four.