FY2027 Small Area FMR · Roscoe, MO
ZIP 64781 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 64781 (Roscoe, MO) is $980 a month, up 8.9% from FY2026. That is 2% above the St. Clair 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 64781 sits in the St. Clair County, MO area
Of the 14 ZIP codes HUD lists for the area, 64781 has the 7th highest two-bedroom Small Area FMR. St. Clair 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 $980 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $720 | $648 – $792 | $709 | $640 |
| 1 bedroom | $750 | $675 – $825 | $735 | $690 |
| 2 bedrooms | $980 | $882 – $1,078 | $962 | $900 |
| 3 bedrooms | $1,220 | $1,098 – $1,342 | $1,146 | $1,120 |
| 4 bedrooms | $1,470 | $1,323 – $1,617 | $1,443 | $1,340 |
A household renting a two-bedroom home at the Small Area FMR of $980 needs about $39,200 a year to keep housing costs at 30% of income. The area median family income is $72,900 and the 80% low-income limit for four people is $62,000. ZIP code 64781 lies mainly in St. Clair County. See the St. Clair 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 64781?
HUD's FY2027 Small Area Fair Market Rents for 64781 are $720 (studio), $750 (1 BR), $980 (2 BR), $1,220 (3 BR) and $1,470 (4 BR) a month.
What is the Section 8 payment standard in 64781?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 64781 that range is $882 to $1,078 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 64781?
The FY2026 income limits of the St. Clair County, MO area apply: median family income $72,900, low-income (80%) limit $62,000 for a family of four.