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St. Charles County/Augusta/63332

63332

ZIPSAFMR
St. Charles County, MO
Zillow

ZIP Investment Score

64Below average

095130300
BRFMR
Eff. Rent
0 BR$1,320$1,320
1 BR$1,380$1,380
2 BR$1,680$1,680
3 BR$2,160$2,160
4 BR$2,490$2,490
5 BR$2,864Not available
6 BR$3,293Not available
7 BR$3,787Not available
8 BR$4,355Not available

Purchase Price Calculator

Maximum purchase price
$187,731

Cost breakdown

+Likely effective rent$1,680
HUD FMRUsed$1,680
Market rentN/A
Est. payment standardN/A
-Principal and interest-$949
Loan amount$150,185
Down payment$37,546
Rate6.50%
Term30 years
-Operating costs-$531
Property taxes-$188
Insurance-$175
Utilities$0
HOA$0
Management-$168
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,015(72.0% ROI)
Projected value
$202,166
Return breakdown
Property appreciation+$14,435
Loan principal paid down+$5,381
Rental cash flow+$7,200
5-year hold
+$46,265(123.2% ROI)
Projected value
$212,400
Return breakdown
Property appreciation+$24,669
Loan principal paid down+$9,595
Rental cash flow+$12,000
10-year hold
+$99,444(264.9% ROI)
Projected value
$240,311
Return breakdown
Property appreciation+$52,581
Loan principal paid down+$22,864
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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ZIP 63332 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 63332 (Augusta, MO) is $1,680 a month. That is up 8.4% from $1,550 in FY 2026. Augusta 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, 63332 is tied for the 6th-highest two-bedroom rent (county range $1,180–$1,980). The median county two-bedroom FMR in Missouri is $962, so ZIP 63332 is 75% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 63332
BedroomsFY 2027Change90–110% range
Studio$1,320+8.2%$1,188–$1,452
1BR$1,380+8.7%$1,242–$1,518
2BR$1,680+8.4%$1,512–$1,848
3BR$2,160+8.0%$1,944–$2,376
4BR$2,490+7.8%$2,241–$2,739

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 63332
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,320$1,380$1,680$2,160$2,490
FY 2026$1,220$1,270$1,550$2,000$2,310
FY 2025$1,060$1,100$1,360$1,760$2,020
FY 2024$900$940$1,170$1,510$1,760
FY 2023$630$680$860$1,110$1,310

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

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 63332
63301$1,400−16.7%
63302$1,590−5.4%
63303$1,6800.0%
63304$1,960+16.7%
63332Current$1,680—
63338$1,590−5.4%
63341$1,750+4.2%
63346$1,590−5.4%
63348$1,980+17.9%
63357$1,180−29.8%
63365$1,540−8.3%
63366$1,540−8.3%

Questions about ZIP 63332 rents

How much will Section 8 pay for a two-bedroom in ZIP 63332?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,680, that basic range is $1,512 to $1,848 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 63332 in?

ZIP 63332 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 63332 for FY 2027?

The two-bedroom FMR rose 8.4%, from $1,550 in FY 2026 to $1,680 in FY 2027. Since FY 2023 it has risen 95.3%.

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