63304
ZIPSAFMR
St. Charles County, MO
BRFMR
Eff. Rent
0 BR$1,360$1,410
1 BR$1,410$1,460
2 BR$1,730$1,800
3 BR$2,230$2,240
4 BR$2,570$2,570
5 BR$2,955
6 BR$3,399
7 BR$3,909
8 BR$4,495

Purchase Price Calculator

Maximum purchase price
$205,563

Cost breakdown

+Likely effective rent$1,800
HUD FMR$1,730
Market rent$1,840
Est. payment standard (104%)Used$1,800
Estimated payment standard is $1,800 (104% of FMR).
-Principal and interest-$1,039
Loan amount$164,450
Down payment$41,113
Rate6.50%
Term30 years
-Operating costs-$561
Property taxes-$206
Insurance-$175
Utilities$0
HOA$0
Management-$180
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,898(70.3% ROI)
Projected value
$221,369
Current value$205,563
Return breakdown
Property appreciation+$15,806
Loan principal paid down+$5,892
Rental cash flow+$7,200
5-year hold
+$49,519(120.4% ROI)
Projected value
$232,575
Current value$205,563
Return breakdown
Property appreciation+$27,013
Loan principal paid down+$10,507
Rental cash flow+$12,000
10-year hold
+$106,611(259.3% ROI)
Projected value
$263,138
Current value$205,563
Return breakdown
Property appreciation+$57,575
Loan principal paid down+$25,036
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
0.95ratio
FMR$1,360
Market$1,430
vs market-$70

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

90% standard$1,224 / 0.86 ratio110% standard$1,496 / 1.05 ratio
0.95
1 BR
1 BR
0.95ratio
FMR$1,410
Market$1,480
vs market-$70

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

90% standard$1,269 / 0.86 ratio110% standard$1,551 / 1.05 ratio
0.95
2 BR
2 BR
0.94ratio
FMR$1,730
Market$1,840
vs market-$110

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

90% standard$1,557 / 0.85 ratio110% standard$1,903 / 1.03 ratio
0.94
3 BR
3 BR
1.00ratio
FMR$2,230
Market$2,240
vs market-$10

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

90% standard$2,007 / 0.90 ratio110% standard$2,453 / 1.10 ratio
1.00
4 BR
4 BR
1.00ratio
FMR$2,570
Market$2,570
vs market+$0

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

90% standard$2,313 / 0.90 ratio110% standard$2,827 / 1.10 ratio
1.00
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across all bedroom sizes.

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 63304 (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.

63304 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 63304 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,730 and the 4 bedroom fair market rent is $2,570.

Use this page for searches like 63304 FMR, 63304 fair market rent, and 63304 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 63304
Bedroom sizeHUD FMR
Studio$1,360
1 bedroom$1,410
2 bedroom$1,730
3 bedroom$2,230
4 bedroom$2,570