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St. Louis City/Saint Louis/63101

63101

ZIPSAFMR
St. Louis City, MO
Zillow

ZIP Investment Score

110Above average

095130300
BRFMR
Eff. Rent
0 BR$1,260$1,150
1 BR$1,310$1,250
2 BR$1,600$1,460
3 BR$2,050$1,700
4 BR$2,370$2,120
5 BR$2,726Not available
6 BR$3,134Not available
7 BR$3,604Not available
8 BR$4,145Not available

Purchase Price Calculator

Maximum purchase price
$155,039

Cost breakdown

+Likely effective rent$1,460
HUD FMR$1,600
Market rentUsed$1,460
Est. payment standard (94%)$1,510
-Principal and interest-$784
Loan amount$124,031
Down payment$31,008
Rate6.50%
Term30 years
-Operating costs-$476
Property taxes-$155
Insurance-$175
Utilities$0
HOA$0
Management-$146
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,565(76.0% ROI)
Projected value
$166,960
Return breakdown
Property appreciation+$11,921
Loan principal paid down+$4,444
Rental cash flow+$7,200
5-year hold
+$40,298(130.0% ROI)
Projected value
$175,412
Return breakdown
Property appreciation+$20,373
Loan principal paid down+$7,924
Rental cash flow+$12,000
10-year hold
+$86,306(278.3% ROI)
Projected value
$198,463
Return breakdown
Property appreciation+$43,424
Loan principal paid down+$18,882
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.10
1 BR
1.05
2 BR
1.10
3 BR
1.21
4 BR
1.12
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 63101 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 63101 (Saint Louis, MO) is $1,600 a month. That is up 9.6% from $1,460 in FY 2026. Saint Louis 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. Among 35 ZIP codes in St. Louis City, 63101 has the 4th-highest two-bedroom rent (county range $1,040–$2,000). The median county two-bedroom FMR in Missouri is $962, so ZIP 63101 is 66% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 63101
BedroomsFY 2027Change90–110% range
Studio$1,260+9.6%$1,134–$1,386
1BR$1,310+10.1%$1,179–$1,441
2BR$1,600+9.6%$1,440–$1,760
3BR$2,050+9.0%$1,845–$2,255
4BR$2,370+9.2%$2,133–$2,607

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 63101
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,260$1,310$1,600$2,050$2,370
FY 2026$1,150$1,190$1,460$1,880$2,170
FY 2025$1,130$1,170$1,440$1,860$2,140
FY 2024$1,080$1,130$1,410$1,830$2,120
FY 2023$870$920$1,160$1,500$1,760

Two-bedroom rent in nearby St. Louis City ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 63101
63101Current$1,600—
63102$1,450−9.4%
63103$1,270−20.6%
63104$1,490−6.9%
63105$1,890+18.1%
63106$1,040−35.0%
63107$1,100−31.2%
63108$2,000+25.0%
63109$1,380−13.8%
63110$1,630+1.9%
63111$1,070−33.1%
63112$1,320−17.5%

Questions about ZIP 63101 rents

How much will Section 8 pay for a two-bedroom in ZIP 63101?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,600, that basic range is $1,440 to $1,760 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 ZIP 63101 in?

ZIP 63101 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 ZIP 63101 for FY 2027?

The two-bedroom FMR rose 9.6%, from $1,460 in FY 2026 to $1,600 in FY 2027. Since FY 2023 it has risen 37.9%.

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

County fair market rentSaint Louis, MO fair market rentMO statewide rentsWhat is SAFMR?Data sources