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St. Louis County/Saint Louis/63134

63134

ZIPSAFMR
St. Louis County, MO
Zillow

ZIP Investment Score

128Above average

095130300
BRFMR
Eff. Rent
0 BR$1,080$1,090
1 BR$1,120$1,130
2 BR$1,370$1,260
3 BR$1,760$1,480
4 BR$2,030$1,690
5 BR$2,335Not available
6 BR$2,685Not available
7 BR$3,087Not available
8 BR$3,550Not available

Purchase Price Calculator

Maximum purchase price
$125,319

Cost breakdown

+Likely effective rent$1,260
HUD FMR$1,370
Market rentUsed$1,260
Est. payment standard (95%)$1,300
-Principal and interest-$634
Loan amount$100,255
Down payment$25,064
Rate6.50%
Term30 years
-Operating costs-$426
Property taxes-$125
Insurance-$175
Utilities$0
HOA$0
Management-$126
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,428(81.5% ROI)
Projected value
$134,955
Return breakdown
Property appreciation+$9,636
Loan principal paid down+$3,592
Rental cash flow+$7,200
5-year hold
+$34,873(139.1% ROI)
Projected value
$141,787
Return breakdown
Property appreciation+$16,468
Loan principal paid down+$6,405
Rental cash flow+$12,000
10-year hold
+$74,363(296.7% ROI)
Projected value
$160,419
Return breakdown
Property appreciation+$35,100
Loan principal paid down+$15,263
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.98
1 BR
0.98
2 BR
1.09
3 BR
1.19
4 BR
1.20
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 63134 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 63134 (Saint Louis, MO) is $1,370 a month. That is up 7.9% from $1,270 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, 63134 is tied for the 36th-highest two-bedroom rent (county range $1,060–$2,020). The median county two-bedroom FMR in Missouri is $962, so ZIP 63134 is 42% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 63134
BedroomsFY 2027Change90–110% range
Studio$1,080+8.0%$972–$1,188
1BR$1,120+7.7%$1,008–$1,232
2BR$1,370+7.9%$1,233–$1,507
3BR$1,760+8.0%$1,584–$1,936
4BR$2,030+7.4%$1,827–$2,233

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 63134
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,080$1,120$1,370$1,760$2,030
FY 2026$1,000$1,040$1,270$1,630$1,890
FY 2025$1,020$1,050$1,300$1,680$1,930
FY 2024$1,010$1,050$1,310$1,700$1,970
FY 2023$820$870$1,090$1,410$1,650

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

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 63134
63128$1,380+0.7%
63129$1,330−2.9%
63130$1,480+8.0%
63131$2,020+47.4%
63132$1,640+19.7%
63133$1,270−7.3%
63134Current$1,370—
63135$1,410+2.9%
63136$1,230−10.2%
63137$1,300−5.1%
63138$1,3700.0%
63140$1,060−22.6%

Questions about ZIP 63134 rents

How much will Section 8 pay for a two-bedroom in ZIP 63134?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,370, that basic range is $1,233 to $1,507 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 63134 in?

ZIP 63134 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 63134 for FY 2027?

The two-bedroom FMR rose 7.9%, from $1,270 in FY 2026 to $1,370 in FY 2027. Since FY 2023 it has risen 25.7%.

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