63107
ZIPSAFMR
St. Louis County, MO
BRFMR
Eff. Rent
0 BR$810$890
1 BR$840$910
2 BR$1,030$1,050
3 BR$1,330$1,190
4 BR$1,530$1,170
5 BR$1,759
6 BR$2,023
7 BR$2,327
8 BR$2,676

Purchase Price Calculator

Maximum purchase price
$94,113

Cost breakdown

+Likely effective rent$1,050
HUD FMR$1,030
Market rent$1,060
Est. payment standard (102%)Used$1,050
Estimated payment standard is $1,050 (102% of FMR).
-Principal and interest-$476
Loan amount$75,290
Down payment$18,823
Rate6.50%
Term30 years
-Operating costs-$374
Property taxes-$94
Insurance-$175
Utilities$0
HOA$0
Management-$105
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,134(91.0% ROI)
Projected value
$101,349
Current value$94,113
Return breakdown
Property appreciation+$7,236
Loan principal paid down+$2,697
Rental cash flow+$7,200
5-year hold
+$29,178(155.0% ROI)
Projected value
$106,480
Current value$94,113
Return breakdown
Property appreciation+$12,367
Loan principal paid down+$4,810
Rental cash flow+$12,000
10-year hold
+$61,822(328.4% ROI)
Projected value
$120,473
Current value$94,113
Return breakdown
Property appreciation+$26,360
Loan principal paid down+$11,462
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
0.75ratio
FMR$810
Market$1,080
vs market-$270

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

90% standard$729 / 0.68 ratio110% standard$891 / 0.83 ratio
0.75
1 BR
1 BR
0.88ratio
FMR$840
Market$950
vs market-$110

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

90% standard$756 / 0.80 ratio110% standard$924 / 0.97 ratio
0.88
2 BR
2 BR
0.97ratio
FMR$1,030
Market$1,060
vs market-$30

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

90% standard$927 / 0.87 ratio110% standard$1,133 / 1.07 ratio
0.97
3 BR
3 BR
1.12ratio
FMR$1,330
Market$1,190
vs market+$140

FMR is above market; underwrite to market rent.

90% standard$1,197 / 1.01 ratio110% standard$1,463 / 1.23 ratio
1.12
4 BR
4 BR
1.31ratio
FMR$1,530
Market$1,170
vs market+$360

FMR is above market; underwrite to market rent.

90% standard$1,377 / 1.18 ratio110% standard$1,683 / 1.44 ratio
1.31
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 63107 (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.

63107 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 63107 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,030 and the 4 bedroom fair market rent is $1,530.

Use this page for searches like 63107 FMR, 63107 fair market rent, and 63107 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 63107
Bedroom sizeHUD FMR
Studio$810
1 bedroom$840
2 bedroom$1,030
3 bedroom$1,330
4 bedroom$1,530