FY2027 Small Area FMR · Saint Thomas, MO
ZIP 65076 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 65076 (Saint Thomas, MO) is $1,330 a month, up 31.7% from FY2026. That is 38% above the Jefferson City, 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 65076 sits in the Jefferson City, MO area
Of the 28 ZIP codes HUD lists for the area, 65076 has the 1st highest two-bedroom Small Area FMR. Jefferson City, 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 $1,330 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,010 | $909 – $1,111 | $731 | $760 |
| 1 bedroom | $1,020 | $918 – $1,122 | $735 | $770 |
| 2 bedrooms | $1,330 | $1,197 – $1,463 | $962 | $1,010 |
| 3 bedrooms | $1,840 | $1,656 – $2,024 | $1,332 | $1,400 |
| 4 bedrooms | $2,140 | $1,926 – $2,354 | $1,548 | $1,530 |
A household renting a two-bedroom home at the Small Area FMR of $1,330 needs about $53,200 a year to keep housing costs at 30% of income. The area median family income is $105,500 and the 80% low-income limit for four people is $84,400. ZIP code 65076 lies mainly in Cole County and Osage County. See the Jefferson City, MO metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 65076?
HUD's FY2027 Small Area Fair Market Rents for 65076 are $1,010 (studio), $1,020 (1 BR), $1,330 (2 BR), $1,840 (3 BR) and $2,140 (4 BR) a month.
What is the Section 8 payment standard in 65076?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 65076 that range is $1,197 to $1,463 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 65076?
The FY2026 income limits of the Jefferson City, MO area apply: median family income $105,500, low-income (80%) limit $84,400 for a family of four.