63045
ZIPSAFMR
St. Louis County, MO
BRFMR
Eff. Rent
0 BR$1,020$1,020
1 BR$1,060$1,170
2 BR$1,300$1,430
3 BR$1,670$1,840
4 BR$1,930$2,120
5 BR$2,220
6 BR$2,552
7 BR$2,935
8 BR$3,376

Purchase Price Calculator

Maximum purchase price
$150,581

Cost breakdown

+Likely effective rent$1,430
HUD FMR$1,300
Market rent$1,510
Est. payment standard (110%)Used$1,430
Estimated payment standard is $1,430 (110% of FMR).
-Principal and interest-$761
Loan amount$120,465
Down payment$30,116
Rate6.50%
Term30 years
-Operating costs-$469
Property taxes-$151
Insurance-$175
Utilities$0
HOA$0
Management-$143
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,094(76.7% ROI)
Projected value
$162,159
Current value$150,581
Return breakdown
Property appreciation+$11,578
Loan principal paid down+$4,316
Rental cash flow+$7,200
5-year hold
+$39,484(131.1% ROI)
Projected value
$170,368
Current value$150,581
Return breakdown
Property appreciation+$19,788
Loan principal paid down+$7,697
Rental cash flow+$12,000
10-year hold
+$84,515(280.6% ROI)
Projected value
$192,756
Current value$150,581
Return breakdown
Property appreciation+$42,175
Loan principal paid down+$18,339
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.00ratio
FMR$1,020
Market$1,020
vs market+$0

FMR is near market; voucher and private rents are aligned.

90% standard$918 / 0.90 ratio110% standard$1,122 / 1.10 ratio
1.00
1 BR
1 BR
0.79ratio
FMR$1,060
Market$1,340
vs market-$280

FMR is below market; voucher rent may lag private rents.

90% standard$954 / 0.71 ratio110% standard$1,166 / 0.87 ratio
0.79
2 BR
2 BR
0.86ratio
FMR$1,300
Market$1,510
vs market-$210

FMR is below market; voucher rent may lag private rents.

90% standard$1,170 / 0.77 ratio110% standard$1,430 / 0.95 ratio
0.86
3 BR
3 BR
0.85ratio
FMR$1,670
Market$1,960
vs market-$290

FMR is below market; voucher rent may lag private rents.

90% standard$1,503 / 0.77 ratio110% standard$1,837 / 0.94 ratio
0.85
4 BR
4 BR
0.72ratio
FMR$1,930
Market$2,680
vs market-$750

FMR is below market; voucher rent may lag private rents.

90% standard$1,737 / 0.65 ratio110% standard$2,123 / 0.79 ratio
0.72
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 63045 (MO) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

63045 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 63045 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,300 and the 4 bedroom fair market rent is $1,930.

Use this page for searches like 63045 FMR, 63045 fair market rent, and 63045 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 63045
Bedroom sizeHUD FMR
Studio$1,020
1 bedroom$1,060
2 bedroom$1,300
3 bedroom$1,670
4 bedroom$1,930