63155

ZIPSAFMR

St. Louis City, MO

ZIP Investment Score

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$980	$1,080	4.0%
1 BR	$1,010	$1,110	3.5%
2 BR	$1,240	$1,360	3.1%
3 BR	$1,590	$1,730	2.9%
4 BR	$1,840	$2,020	2.7%
5 BR	$2,116	Not available	2.7%
6 BR	$2,433	Not available	2.7%
7 BR	$2,798	Not available	2.7%
8 BR	$3,218	Not available	2.7%

Purchase Price Calculator

Maximum purchase price

$140,179

Cost breakdown

+Likely effective rent$1,360

HUD FMR$1,240

Market rent$1,430

Est. payment standard (110%)Used$1,360

-Principal and interest-$709

Loan amount$112,143

Down payment$28,036

Rate6.50%

Term30 years

-Operating costs-$451

Property taxes-$140

Insurance-$175

Utilities$0

HOA$0

Management-$136

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$21,996(78.5% ROI)

Projected value

$150,957

Return breakdown

Property appreciation+$10,778

Loan principal paid down+$4,018

Rental cash flow+$7,200

5-year hold

+$37,586(134.1% ROI)

Projected value

$158,600

Return breakdown

Property appreciation+$18,421

Loan principal paid down+$7,165

Rental cash flow+$12,000

10-year hold

+$80,334(286.5% ROI)

Projected value

$179,441

Return breakdown

Property appreciation+$39,262

Loan principal paid down+$17,073

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.85ratio

FMR$980

Market$1,150

vs market-$170

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

0.85

1 BR

0.83ratio

FMR$1,010

Market$1,220

vs market-$210

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

0.83

2 BR

0.87ratio

FMR$1,240

Market$1,430

vs market-$190

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

0.87

3 BR

0.88ratio

FMR$1,590

Market$1,800

vs market-$210

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

0.88

4 BR

0.78ratio

FMR$1,840

Market$2,350

vs market-$510

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

0.78

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 63155 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 63155 (Saint Louis, MO) is $1,240 a month. That is up 9.7% from $1,130 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, 63155 is tied for the 21st-highest two-bedroom rent (county range $1,040–$2,000). The median county two-bedroom FMR in Missouri is $962, so ZIP 63155 is 29% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 63155
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$890	$980	+10.1%	$882–$1,078
1BR	$920	$1,010	+9.8%	$909–$1,111
2BR	$1,130	$1,240	+9.7%	$1,116–$1,364
3BR	$1,450	$1,590	+9.7%	$1,431–$1,749
4BR	$1,680	$1,840	+9.5%	$1,656–$2,024

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 63155
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$980	$1,010	$1,240	$1,590	$1,840
FY 2026	$890	$920	$1,130	$1,450	$1,680
FY 2025	$880	$920	$1,130	$1,460	$1,680
FY 2024	$870	$910	$1,130	$1,460	$1,700
FY 2023	$700	$740	$930	$1,200	$1,410

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

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 63155
63133	$1,270	+2.4%
63136	$1,230	−0.8%
63137	$1,300	+4.8%
63138	$1,370	+10.5%
63139	$1,500	+21.0%
63143	$1,120	−9.7%
63147	$1,220	−1.6%
63155Current	$1,240	—
63156	$1,240	0.0%
63166	$1,240	0.0%
63177	$1,240	0.0%
63178	$1,240	0.0%

Questions about ZIP 63155 rents

How much will Section 8 pay for a two-bedroom in ZIP 63155?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,240, that basic range is $1,116 to $1,364 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 63155 in?

ZIP 63155 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 63155 for FY 2027?

The two-bedroom FMR rose 9.7%, from $1,130 in FY 2026 to $1,240 in FY 2027. Since FY 2023 it has risen 33.3%.

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 rent Saint Louis, MO fair market rent MO statewide rents What is SAFMR?Data sources