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Cottleville, MO

CitySAFMR
St. Charles County
Found 1 ZIP
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City Median Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,250$1,260
1 BR$1,300$1,370
2 BR$1,590$1,620
3 BR$2,040$2,070
4 BR$2,350$2,570
5 BR$2,703Not available
6 BR$3,108Not available
7 BR$3,574Not available
8 BR$4,110Not available

Purchase Price Calculator

Maximum purchase price
$178,815

Cost breakdown

+Likely effective rent$1,620
HUD FMR$1,590
Market rent$1,640
Est. payment standard (102%)Used$1,620
-Principal and interest-$904
Loan amount$143,052
Down payment$35,763
Rate6.50%
Term30 years
-Operating costs-$516
Property taxes-$179
Insurance-$175
Utilities$0
HOA$0
Management-$162
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,074(72.9% ROI)
Projected value
$192,564
Return breakdown
Property appreciation+$13,749
Loan principal paid down+$5,125
Rental cash flow+$7,200
5-year hold
+$44,637(124.8% ROI)
Projected value
$202,313
Return breakdown
Property appreciation+$23,498
Loan principal paid down+$9,140
Rental cash flow+$12,000
10-year hold
+$95,861(268.0% ROI)
Projected value
$228,898
Return breakdown
Property appreciation+$50,083
Loan principal paid down+$21,778
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.98
1 BR
0.92
2 BR
0.97
3 BR
0.98
4 BR
0.87
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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Cottleville, MO fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Cottleville, MO is $1,590 a month. That is up 12.0% from $1,420 in FY 2026. Cottleville is in the St. Louis, MO-IL HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. The median county two-bedroom FMR in Missouri is $962, so Cottleville is 65% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Cottleville, MO
BedroomsFY 2027Change90–110% range
Studio$1,250+12.6%$1,125–$1,375
1BR$1,300+12.1%$1,170–$1,430
2BR$1,590+12.0%$1,431–$1,749
3BR$2,040+11.5%$1,836–$2,244
4BR$2,350+11.4%$2,115–$2,585

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Cottleville, MO
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,250$1,300$1,590$2,040$2,350
FY 2026$1,110$1,160$1,420$1,830$2,110
FY 2025$1,090$1,130$1,390$1,800$2,070
FY 2024$1,060$1,110$1,380$1,790$2,070
FY 2023$850$910$1,140$1,480$1,730

Questions about Cottleville, MO rents

How much will Section 8 pay for a two-bedroom in Cottleville, MO?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,590, that basic range is $1,431 to $1,749 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Cottleville, MO in?

Cottleville, MO is in the St. Louis, MO-IL HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in Cottleville, MO for FY 2027?

The two-bedroom FMR rose 12.0%, from $1,420 in FY 2026 to $1,590 in FY 2027. Since FY 2023 it has risen 39.5%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set