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St. Louis County/Saint Louis/63114

63114

ZIPSAFMR
St. Louis County, MO
Zillow

ZIP Investment Score

166High yield potential

095130300
BRFMR
Eff. Rent
0 BR$1,100$930
1 BR$1,150$980
2 BR$1,400$1,280
3 BR$1,800$1,540
4 BR$2,070$1,790
5 BR$2,381Not available
6 BR$2,738Not available
7 BR$3,148Not available
8 BR$3,620Not available

Purchase Price Calculator

Maximum purchase price
$128,291

Cost breakdown

+Likely effective rent$1,280
HUD FMR$1,400
Market rentUsed$1,280
Est. payment standard (94%)$1,320
-Principal and interest-$649
Loan amount$102,633
Down payment$25,658
Rate6.50%
Term30 years
-Operating costs-$431
Property taxes-$128
Insurance-$175
Utilities$0
HOA$0
Management-$128
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,741(80.8% ROI)
Projected value
$138,155
Return breakdown
Property appreciation+$9,864
Loan principal paid down+$3,677
Rental cash flow+$7,200
5-year hold
+$35,416(138.0% ROI)
Projected value
$145,149
Return breakdown
Property appreciation+$16,858
Loan principal paid down+$6,557
Rental cash flow+$12,000
10-year hold
+$75,557(294.5% ROI)
Projected value
$164,223
Return breakdown
Property appreciation+$35,932
Loan principal paid down+$15,625
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.18
1 BR
1.17
2 BR
1.09
3 BR
1.17
4 BR
1.16
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 63114 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 63114 (Saint Louis, MO) is $1,400 a month. That is up 11.1% from $1,260 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 54 ZIP codes in St. Louis County, 63114 has the 33rd-highest two-bedroom rent (county range $1,060–$2,020). The median county two-bedroom FMR in Missouri is $962, so ZIP 63114 is 46% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 63114
BedroomsFY 2027Change90–110% range
Studio$1,100+11.1%$990–$1,210
1BR$1,150+11.7%$1,035–$1,265
2BR$1,400+11.1%$1,260–$1,540
3BR$1,800+11.1%$1,620–$1,980
4BR$2,070+10.7%$1,863–$2,277

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 63114
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,100$1,150$1,400$1,800$2,070
FY 2026$990$1,030$1,260$1,620$1,870
FY 2025$950$990$1,220$1,580$1,810
FY 2024$950$1,000$1,240$1,610$1,860
FY 2023$760$810$1,020$1,320$1,540

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

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 63114
63105$1,890+35.0%
63112$1,320−5.7%
63114Current$1,400—
63117$1,540+10.0%
63119$1,440+2.9%
63120$1,120−20.0%
63121$1,230−12.1%
63122$1,600+14.3%
63123$1,370−2.1%
63124$2,020+44.3%
63125$1,160−17.1%
63126$1,350−3.6%

Questions about ZIP 63114 rents

How much will Section 8 pay for a two-bedroom in ZIP 63114?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,400, that basic range is $1,260 to $1,540 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 63114 in?

ZIP 63114 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 63114 for FY 2027?

The two-bedroom FMR rose 11.1%, from $1,260 in FY 2026 to $1,400 in FY 2027. Since FY 2023 it has risen 37.3%.

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