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St. Charles County/Saint Charles/63301

63301

ZIPSAFMR
St. Charles County, MO
Zillow

ZIP Investment Score

112Above average

095130300
BRFMR
Eff. Rent
0 BR$1,100$1,190
1 BR$1,150$1,270
2 BR$1,400$1,540
3 BR$1,800$1,980
4 BR$2,070$2,280
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
$166,927

Cost breakdown

+Likely effective rent$1,540
HUD FMR$1,400
Market rent$1,720
Est. payment standard (110%)Used$1,540
-Principal and interest-$844
Loan amount$133,542
Down payment$33,385
Rate6.50%
Term30 years
-Operating costs-$496
Property taxes-$167
Insurance-$175
Utilities$0
HOA$0
Management-$154
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,820(74.3% ROI)
Projected value
$179,762
Return breakdown
Property appreciation+$12,835
Loan principal paid down+$4,784
Rental cash flow+$7,200
5-year hold
+$42,468(127.2% ROI)
Projected value
$188,862
Return breakdown
Property appreciation+$21,936
Loan principal paid down+$8,532
Rental cash flow+$12,000
10-year hold
+$91,084(272.8% ROI)
Projected value
$213,681
Return breakdown
Property appreciation+$46,754
Loan principal paid down+$20,330
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.89
1 BR
0.75
2 BR
0.81
3 BR
0.78
4 BR
0.74
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 63301 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 63301 (Saint Charles, MO) is $1,400 a month. That is up 14.8% from $1,220 in FY 2026. Saint Charles 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 18 ZIP codes in St. Charles County, 63301 has the 16th-highest two-bedroom rent (county range $1,180–$1,980). The median county two-bedroom FMR in Missouri is $962, so ZIP 63301 is 46% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 63301
BedroomsFY 2027Change90–110% range
Studio$1,100+14.6%$990–$1,210
1BR$1,150+15.0%$1,035–$1,265
2BR$1,400+14.8%$1,260–$1,540
3BR$1,800+14.6%$1,620–$1,980
4BR$2,070+14.4%$1,863–$2,277

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 63301
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,100$1,150$1,400$1,800$2,070
FY 2026$960$1,000$1,220$1,570$1,810
FY 2025$930$960$1,190$1,540$1,770
FY 2024$940$980$1,220$1,580$1,830
FY 2023$770$820$1,030$1,330$1,560

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

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 63301
63301Current$1,400—
63302$1,590+13.6%
63303$1,680+20.0%
63304$1,960+40.0%
63332$1,680+20.0%
63338$1,590+13.6%
63341$1,750+25.0%
63346$1,590+13.6%
63348$1,980+41.4%
63357$1,180−15.7%
63365$1,540+10.0%
63366$1,540+10.0%

Questions about ZIP 63301 rents

How much will Section 8 pay for a two-bedroom in ZIP 63301?

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 63301 in?

ZIP 63301 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 63301 for FY 2027?

The two-bedroom FMR rose 14.8%, from $1,220 in FY 2026 to $1,400 in FY 2027. Since FY 2023 it has risen 35.9%.

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 Charles, MO fair market rentMO statewide rentsWhat is SAFMR?Data sources