FY2027 Small Area FMR · Blackwater, MO
ZIP 65322 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 65322 (Blackwater, MO) is $1,210 a month, down 1.6% from FY2026. That is 26% above the Cooper 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 65322 sits in the Cooper County, MO area
Of the 15 ZIP codes HUD lists for the area, 65322 has the 2nd highest two-bedroom Small Area FMR. Cooper 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 $1,210 for this ZIP code instead.
ZIP code 65322 crosses more than one HUD area. HUD also lists it under Saline 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 | $870 | $783 – $957 | $695 | $860 |
| 1 bedroom | $920 | $828 – $1,012 | $735 | $940 |
| 2 bedrooms | $1,210 | $1,089 – $1,331 | $962 | $1,230 |
| 3 bedrooms | $1,610 | $1,449 – $1,771 | $1,278 | $1,520 |
| 4 bedrooms | $1,740 | $1,566 – $1,914 | $1,387 | $1,920 |
A household renting a two-bedroom home at the Small Area FMR of $1,210 needs about $48,400 a year to keep housing costs at 30% of income. The area median family income is $93,300 and the 80% low-income limit for four people is $74,650. ZIP code 65322 lies mainly in Cooper County. See the Cooper 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 65322?
HUD's FY2027 Small Area Fair Market Rents for 65322 are $870 (studio), $920 (1 BR), $1,210 (2 BR), $1,610 (3 BR) and $1,740 (4 BR) a month.
What is the Section 8 payment standard in 65322?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 65322 that range is $1,089 to $1,331 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 65322?
The FY2026 income limits of the Cooper County, MO area apply: median family income $93,300, low-income (80%) limit $74,650 for a family of four.